There is no way to eliminate the number of credit reporting accounts. They will always exist in the personal credit report, and as credit is used, the number of credit reporting accounts will increase. According to the instructions in the "Complete Guide to Credit Reporting" in the central bank's credit reporting system, credit information is divided into bad information, positive information and wrong information. Bad information will be retained for 5 years from the date of termination of the bad behavior or incident, positive information will remain in the personal credit report, and erroneous information will be corrected after a credit objection is raised. The number of credit reporting accounts mainly consists of three parts: credit card accounts, home purchase loans, and other loan accounts. The number of credit reporting accounts can be viewed in the Information Summary section of your credit record.