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Newbie Questions: Chargeoff etc...

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I have two CO, one that was sold to a CA and the other still under OC. Both are just over 7 years old according to "date of last activity." How do I remove these? Do I dispute them as "Not Mine" or what wording do I use under "Other."?

I have several old CC with $0 balance whose last activity was many years ago. Will closing the accounts remove them and is this good or bad?

Sorry if these ??s are naive--I'm new to all this.

F

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Dispute the first bit as "obsolete".

Are the CC's CO's or something? If they are reporting positively, leave them be. The age is helping your scores.

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Thanks Doc!!!

All the old CC accounts were in good standing. I just thought having too much open credit lines, even if good, will prevent me from getting newer, lower interest CC with higher limits. ???

Also, do I just write "obsolete" on the dispute forms or write out a letter?

Is one more or less effective than the other?

F

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You can dispute online, but letters help with a paper trail just in case. You can just type in obsolete in the remarks box online.

Always remember age is your friend on your CR. The longer you have + tradelines, the better your score.

You can't really have to much + tradelines.

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