Tagakawit,
Here is what I know about credit reports from both credit bureaus. The items in your Equifax credit file will remain in your file whether you pay them or not by law for six to seven years depending on the province or territory. The items that are in good standing in your Trans union file will remain in your credit file up to twenty years. If you no longer have the accounts after six or seven years, you can request to have them removed from your Trans union file. The negative items will be removed whether you pay them or not six to seven in your credit file depending on the province or terriotry.If you close an account, it can affect your credit score and that’s why they tell you to keep them open whether you use them or not.