How long does it take for a closed account to be removed from your credit history?
I had opened a couple of retail credit cards when I first entered college to help pay for bedding and other household items during my first year of college. I kept one account, which I still have today without a balance, paid one off before I graduated and the other within a few years after graduating. The last two I had closed since they were to retail stores that I didn’t frequent and the rates were so high. Instead I got a general card to use when needed in emergencies. I had no records of being delinquent on any of the accounts. I recently checked my credit report and my score is very good 762 (average) but I noticed that those two cards still show up. Even the one that I had closed 9 1/2yrs ago! My question is when will those accounts disappear from my report?