I printed out my credit score and a lot of the accounts were closed. How do I get the closed ones off?

Question

Well... I failed to mention that the accounts were unpaid accounts. And most of them were about 6-7 years ago maybe even longer and their still there.

Answer 1

Actually you don't.

Good accounts can show for 10-years or more and help your score.

Derogatory accounts show for 7-years from the date of first delinquency which works out to 7-years and 180-days and unless the information is incorrect you can not have them removed.

That's why it's called credit history.