Closed accounts with positive histories help your credit, while those with negative marks hurt it. Removing harmful accounts through disputes, goodwill requests, or patience can improve your score.

Unpaid debts and accounts in collections will stay on your credit report for seven years. Removing old debt from your credit report may help improve your score. Steps you can take include filing a ...

Unpaid debts and accounts in collections will stay on your credit report for seven years. Removing old debt from your credit report may help improve your score. Steps you can take include filing a ...