Each account on your credit report provides details such as open date, balance and payment status. You can dispute any of the details listed if they are incorrect. You can't dispute that an account still appears on your credit report after it's closed.
Credit reports update when lenders provide new information to the credit reporting agencies. You may not see changes reflected immediately in your report. Some lenders send updates more frequently than others, but it usually happens once a month. Learn more about how to read your credit report.
Closing an account doesn’t remove it from your credit report immediately. An account that was in good standing with a history of on-time payments when it was closed will stay on your report for up to 10 years. That can help your credit score. Accounts with negative information may stay on your report for up to 7 years.