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delete negative tradelines after seven years?

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Have a couple of old first premier cards that are closed. They are seven years old and have a couple of late payments about five years old.Can't get them removed. Can you request to have the trade lines deleted or are the lates hurting me that much?

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How late were the late payments? 30, 60, 90, etc.?


The lates will fall off your reports after 7 years.

The accounts will then turn positive, and can stay on your reports up to 10 years from when they were closed.


If the lates are 30 or 60 days, they only have a small effect on FICO scores at 5yo.

If they are 90 or more, they are still hurting you.


Check out this chart, and the FICO effects spreadsheet linked in BobWang's signature in that post.


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You could always try goodwill (GW) letters.


But I would spend most of your energy working on other negatives with more impact.

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