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Dispute_Accounts

Accounts

You'll see all your open and closed accounts listed on your credit report. Even if you closed an account, it will continue to appear on your report for 7-10 years.

I see something I believe is inaccurate on one of my accounts. Can I fix it?

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.

How long do closed accounts stay on my credit report?

Closing an account doesn’t remove it from your credit report immediately. How long a closed account stays on your report depends on whether it had a positive or negative history. An account that had good standing and a history of on-time payments when it was closed will stay on your credit report for up to 10 years, which can ultimately help your credit score. Accounts with negative information may stay on your credit report for up to 7 years. Get more details about how long closed accounts stay on your report. ›

What are the different types of accounts listed on my credit report?

Usually, accounts will either be labeled as revolving or installment accounts. An installment account is a loan that has an end date, such as a mortage or car loan. A revolving account is a line of credit that you can continue to use with no end date, such as a credit card. Read more about the differences between installment and revolving accounts. ›

What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

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