Q: My credit report shows two credit cards that were charged-off and are now included in bankruptcy. I did not recognize these accounts, but after investigating found that they were old joint accounts with my mother, who recently declared bankruptcy. How can I get these removed from my credit?
A: Unfortunately, even though the accounts may be closed
, they will remain on your credit report for some time to come and continue to affect your credit. While bankruptcy records will remain on your credit report for 7-10 years, there is a lot that you can do to improve your credit now.
Bear in mind that positive records (such as closed accounts that were never paid late) can also remain on your credit report for longer than seven years and will only help your credit score.
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