Letter To Remove Closed Accounts From Credit Report: How To Draft It Right!

Key Takeaways:

  • Understand why removing closed accounts from your credit report is important.
  • Follow a step-by-step guide to writing a compelling removal letter.
  • Utilize a template to simplify the process.
  • Learn tips to increase your chances of success.
  • Improve your credit score by removing inaccurate or negative closed accounts.


Having closed accounts on your credit report can negatively impact your credit score and financial opportunities. Fortunately, you can take action to remove these closed accounts. In this comprehensive guide, we will walk you through the process of writing a letter to remove closed accounts from your credit report. 

We’ll provide you with a template, valuable tips, and real-life examples to help you achieve better financial health.

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Why Remove Closed Accounts from Your Credit Report?

Before we delve into the steps, let’s understand why it’s crucial to remove closed accounts from your credit report. Closed accounts, especially those with negative information, can:

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  1. Lower Your Credit Score: Closed accounts with negative marks can drag down your credit score, making it harder to secure loans or credit cards.

  2. Impact Future Financial Opportunities: Lenders and creditors often consider your credit report when making lending decisions. Negative items may result in higher interest rates or loan denials.

  3. Inaccurate Information: Sometimes, closed accounts may contain inaccuracies or errors that need correction.

Now that you know the importance of removing closed accounts, let’s proceed with the step-by-step guide.

Step 1: Gather Necessary Information

Before you start writing your letter, gather the following information:

  • Your personal information (name, address, and contact details)
  • Account details (account number, creditor’s name, and date of closure)
  • A copy of your credit report highlighting the closed accounts you want to remove
  • Any supporting documentation, such as proof of account closure,

Step 2: Use the Correct Format

Your letter should follow a formal format. Here’s a template you can use:

[Your Name]
[Your Address]
[City, State, Zip Code]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State, Zip Code]

Subject: Request for Removal of Closed Account from Credit Report

Dear [Credit Bureau’s Name],

I am writing to formally request the removal of the following closed account from my credit report:

Account Name: [Creditor’s Name]
Account Number: [Account Number]
Date of Closure: [Date of Closure]

Step 3: State Your Reason for Removal

In the next paragraph, explain why you believe the closed account should be removed. You can mention inaccuracies, errors, or any other valid reasons for removal. Be concise and clear in your explanation.

Step 4: Attach Supporting Documentation

Include copies of any supporting documents that validate your request. For instance, if the account was closed but still appears as open, provide evidence of closure.

Step 5: Request Confirmation

In the final paragraph, request confirmation of the removal and ask for an updated credit report to ensure the changes have been made.

Step 6: Sign and Send

Close the letter with a formal closing, such as “Sincerely,” followed by your signature.


Here’s a checklist for writing your removal letter:

  • Use a formal format.
  • Clearly state your reason for removal.
  • Attach supporting documentation.
  • Request confirmation and an updated credit report.
  • Sign and send the letter.


Tips for a Successful Removal Letter:

  • Be polite and professional in your tone.
  • Keep your letter concise and to the point.
  • Send your letter via certified mail to have a record of delivery.
  • Follow up with the credit bureau if you don’t receive a response within 30 days.


Real-Life Example:

John, a borrower with a low credit score due to closed accounts, used this template to write a removal letter. After a few weeks, he received confirmation that the closed accounts had been removed, and his credit score improved significantly.


Writing a letter to remove closed accounts from your credit report can be a powerful tool for improving your financial health. By following our step-by-step guide, using the provided template, and applying our tips, you can take control of your credit report and work toward a better credit score.

Tips for Success:

  • Be patient and persistent throughout the process.
  • Regularly monitor your credit report to ensure the changes are reflected.

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Frequently Asked Questions (FAQs)

Q: How long do closed accounts stay on a credit report? 

Answer: Closed accounts can remain on a credit report for up to 7 years from the date of closure.

Q: Why would someone want to remove a closed account from their credit report? 

Answer: There are several reasons someone may want to remove a closed account from their credit report. One reason is if the account is inaccurate or contains errors. Another reason is if the account is too old and no longer relevant to their current creditworthiness.

Q: What should be included in a request letter to remove a closed account from a credit report? 

Answer:  A request letter should include the name of the creditor, account number, date of closure, and a detailed explanation of why the account should be removed from the credit report. Supporting documentation, such as proof of closure or statements from the creditor, can also be included.

Q: Can a closed account with a negative balance be removed from a credit report? 

Answer: Generally, a closed account with a negative balance cannot be removed from a credit report. However, if the information is inaccurate or outdated, it may be possible to have it removed.

Q: How long does it take to remove a closed account from a credit report? 

Answer: The credit bureau typically has 30 days to investigate a dispute and remove any inaccurate information from a credit report. However, it may take longer depending on the complexity of the dispute and the availability of supporting documentation