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Originally Posted by MonkeyMama
How do you delete creditors? I have all sorts of crap on my report that is long closed and inaccessible to me. Says it is still open. Just curious how you go about it. Call the credit bureaus?
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Assuming the information is
correct, all you can really do is call the creditor to make sure they show your account was actually closed (many of us quit using credit cards and assume they are closed, when they may in fact still be open). You can also request that they stop reporting on the account if it is closed, but they are not required to stop reporting before the 7 year statute expires.
If the information reported is
incorrect, then you should file a dispute with the credit reporting agencies. Disputes should be done in writing, and it's a good idea to send via certified mail.
I found a good article on disputing credit report errors
here.