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I got a free credit report the other day, and half of the accounts in the 35 pages - or so - were closed ones. But they keep them for 10 years. Those were accounts that were sold to others, or when we refinance, or when we just closed a credit card account.
But if an account was closed in 2002 - and I still have the letter that I wrote to the card issuer - and the report gives the close date as 2005 - this means that the accounts will be around for three extra years.
Or an auto loan that we paid off in 1999 appears twice, one closing in 1999, second time, in 2001.
And a credit card that we used last in 2001 - yes, I still have the statements so I could recognize the number. I called the issuer and was told to tell Experian that the account closed and they will go back and check with them.
Does it matter?
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