Reporting of Good Past Accounts

[baybreeze]

Another question, if anyone knows...

Only 1 of the 3 reporting agencies actually has 2 older accounts of mine going way back that were always in good standing, never late, and were closed by myself.

I had also taken a new car loan which was paid on time every month for five years from 89 to 94. One of the good standing credit accounts was older than this car loan...but the car loan does not show up on ANY of the 3 reporting agencies reports. (of course, almost all the bad ones do show up - except one card which was almost $3000.00 & was discharged in bankruptcy does not show up on ANY report!! but i wont complain about that one)

Do they delete the good accounts after so many years? If thats the case, though then why wasnt my older good account deleted? Can i write a letter to the agencies with all the car loan acct info so other creditors can see i have paid off a large loan without problem in the past?

[Jenny]

All closed account information falls off your credit report eventually. You can write a letter to the agencies, but it won't help you get credit in the future. A personal letter written by you isn't worth anything. Anyone could make something like that up.

[baybreeze]

Anyone could make it up is true...however I do have an older credit report from 2004 from Equifax which does list this account on it. It's just not listed on my current report from last week.

But I have some corrections to report anyway...so I will make a copy of the account info and send it as well & see what happens.

[StaciMM]

My guess is that Experian is the one still showing the old accounts? I think 8-10 years is the time frame for EQ to drop old positives, and 10-12 for TU. EX tends to stick longer.