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crs3249
October 10, 2019
Question

Credit score

  • October 10, 2019
  • 1 reply
  • 0 views
I have 5 open credit cards and 3 that have been closed for years, but still are listed. Apparently the 3 closed may be affecting my credit score? Since they have been closed for over ten years, why are they there, and are they a negative impact?

    1 reply

    A
    Anonymous_
    Employee
    October 10, 2019

    Experian, purportedly, retains that information for 10 years while the other two may retain positive information for a longer period of time. Regardless, it should not be having an adverse impact on your score after 10 years. 

     

    See https://www.experian.com/blogs/ask-experian/should-closed-accounts-be-removed-credit-report/

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