Removing old Accounts

[veronak]

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Does anyone have a sample letter asking old creditors to stop reporting to the CRA if the account is paid in full?

These accounts were not turned over to a CA, I actually paid these

[34saving]

I bet someone on www.creditboards.com does

I think any account you open will stay on your credit report for a certain number of years whether you have used it or not? Isn't that just stating that you had a loan with such and such, or a card with xxxx. If that is the case, I think it is the credit reporting agency that decides how long to leave lenders on your report, and I think it is probably their industry standard.

[Bookie]

That's what makes up your credit history. As long as the account was properly handled, it is to your benefit to have it as part of the record.

[Bluezy]

I agree. Don't ask to have an account removed if it shows positive on your report. The older the account the better, showing a longer credit history span.