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  • FIRST POST
    • DragonQ
    • By DragonQ 24th May 19, 11:29 AM
    • 2,042Posts
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    DragonQ
    How long do closed cards take to disappear from credit report?
    • #1
    • 24th May 19, 11:29 AM
    How long do closed cards take to disappear from credit report? 24th May 19 at 11:29 AM
    I closed a credit card account in March but it still shows on all of my credit reports, which falsely gives the impression that I have some credit available that I don't. How long does it normally take to disappear? I would have thought it'd take a month but my credit reports have now been updated twice since I closed the account and it's still listed.
Page 1
    • zx81
    • By zx81 24th May 19, 11:30 AM
    • 22,521 Posts
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    zx81
    • #2
    • 24th May 19, 11:30 AM
    • #2
    • 24th May 19, 11:30 AM
    6 years from closure (unless it defaulted before then).

    They will be marked as closed for those years.
    • Candyapple
    • By Candyapple 24th May 19, 11:38 AM
    • 3,197 Posts
    • 2,683 Thanks
    Candyapple
    • #3
    • 24th May 19, 11:38 AM
    • #3
    • 24th May 19, 11:38 AM
    I closed a credit card account in March but it still shows on all of my credit reports, which falsely gives the impression that I have some credit available that I don't. How long does it normally take to disappear? I would have thought it'd take a month but my credit reports have now been updated twice since I closed the account and it's still listed.
    Originally posted by DragonQ
    Are you sure the account is closed? Did you request in writing that a letter be sent to you confirming it is?

    Usually it can take anywhere up to 2-3 months after an account is closed to be moved from active accounts over to the settled/closed section, it all depends on how regularly the lender updates back to the CRAs.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • DragonQ
    • By DragonQ 5th Jun 19, 6:35 AM
    • 2,042 Posts
    • 696 Thanks
    DragonQ
    • #4
    • 5th Jun 19, 6:35 AM
    • #4
    • 5th Jun 19, 6:35 AM
    Are you sure the account is closed? Did you request in writing that a letter be sent to you confirming it is?

    Usually it can take anywhere up to 2-3 months after an account is closed to be moved from active accounts over to the settled/closed section, it all depends on how regularly the lender updates back to the CRAs.
    Originally posted by Candyapple
    They confirmed via direct message that it was closed but it's still showing as active. I guess I'll wait until 3 months has passed before raising it with them, thanks.
    • Marchitiello
    • By Marchitiello 7th Jun 19, 9:00 AM
    • 307 Posts
    • 115 Thanks
    Marchitiello
    • #5
    • 7th Jun 19, 9:00 AM
    • #5
    • 7th Jun 19, 9:00 AM
    The section were the account is reported should also show a “last updated” date. Some accounts will have more recent dates and others older dates. This will give you an indication on when it would be updated.
    • PRAISETHESUN
    • By PRAISETHESUN 7th Jun 19, 9:28 AM
    • 920 Posts
    • 487 Thanks
    PRAISETHESUN
    • #6
    • 7th Jun 19, 9:28 AM
    • #6
    • 7th Jun 19, 9:28 AM
    The closed account will still remain on your credit file, under the "closed account" section for 6 years, similar to all credit data.

    In terms of it being updated from an open account to a closed account, it typically takes 4-8 weeks in my experiences for changes to propagate through from the lender to your credit report. It might be worth getting in touch with your lender and requesting confirmation that the account was actually closed, and asking them to follow up and ensure that this information has been reported to the CRAs.
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