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Today were talking about how to remove closed accounts from your credit report like a star. And what you should avoid removing to know by the end of this video, youre going to know your best option, should you remove it to correct it, or should you leave it? Now keep in mind, a closed account doesnt mean its negative by default. So a negative account includes at least a 30 day late payment or a statement like reported as lost or stolen by consumer. and removing a closed account will change the total length of your credit history. And this can change your credit score drastically. Now, heres an example. So lets say that you remove a 20 year student loan. Now your credit history is based on your next longest account, which in this example is only going to be three years, how many points do you think youre going to lose from going from 20 your credit history down to three. So first, determine if the account is derogatory to begin with. Second, the side effect can be corrected versu