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jillee03
LIF Adult
Member since 8/05 953 total posts
Name:
Jill
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credit report
does anyone know how to update your credit report.
How do you go about removing cc (say like kohls, gap) ones that i haven't used in years.
TIA
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Posted 5/12/08 12:41 PM  |
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MrsMerlot
Unconditional Love
Member since 4/06 6005 total posts
Name:
Chrissy
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Re: credit report
Do they have zero balances? Are they still open?
It takes seven years for them to come off your credit report.
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| Posted 5/12/08 12:42 PM |
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kahlua716
3 Girls for Me!
Member since 8/07 12475 total posts
Name:
Keri
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Re: credit report
I think they come off on their own after 3 years or something. They stay on the report for some time though, regardless of whether or not they've been used in awhile.
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| Posted 5/12/08 12:43 PM |
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jillee03
LIF Adult
Member since 8/05 953 total posts
Name:
Jill
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Re: credit report
yes they have zero balances, and yes they are still open, i want to close them
so there is no way of any fraud. I want to only have the 3 cc i use open.
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| Posted 5/12/08 12:44 PM |
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sunflowerjesss
Mommy to 3!
Member since 10/05 20369 total posts
Name:
Jesss, duh.
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Re: credit report
They will never come off if the account is open.
You have to close the account and then after a period of time they will automatically come off.
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| Posted 5/12/08 12:45 PM |
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jillee03
LIF Adult
Member since 8/05 953 total posts
Name:
Jill
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Re: credit report
so going about closing them is calling all the company's themselves and having them close them
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| Posted 5/12/08 12:47 PM |
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VickiC
Rocking the party
Member since 5/05 4937 total posts
Name:
Vicki
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Re: credit report
Posted by sunflowerjesss
They will never come off if the account is open.
You have to close the account and then after a period of time they will automatically come off.
Ditto this. YOU need to call the CC companies that the card is through and close the account.
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| Posted 5/12/08 12:47 PM |
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jillee03
LIF Adult
Member since 8/05 953 total posts
Name:
Jill
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Re: credit report
is this a good thing to do or a bad thing?
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| Posted 5/12/08 12:50 PM |
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VickiC
Rocking the party
Member since 5/05 4937 total posts
Name:
Vicki
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Re: credit report
It's always better for you to call and close an account.
However, if these accounts have been open a long time, it could end up hurting your credit score because you are shortening your credit history. You are also reducing the amount of your debt to credit ratio.
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| Posted 5/12/08 12:53 PM |
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Shroggie
Don't Worry...Be Happy
Member since 5/06 6261 total posts
Name:
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Re: credit report
After you call and close them, they will stay there for 7 years.
Message edited 5/12/2008 12:58:07 PM.
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| Posted 5/12/08 12:57 PM |
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ave1024
I Took The Wrong Road
Member since 12/07 6153 total posts
Name:
That Led To The Wrong Tendencies
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Re: credit report
Don't close credit card accounts! bad bad bad
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| Posted 5/12/08 12:59 PM |
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sunnygirl
loving life
Member since 1/07 5413 total posts
Name:
D
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Re: credit report
yes i have heard it is bad to close credit card accounts if you are not using them just leave them
but again just what i've heard not positive on the reasoning
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| Posted 5/12/08 2:02 PM |
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