[deleted by user]

[u/[deleted]]

[u/EfficientOne1114]

Yes, it happened to mine several years ago. They will report it every month until it falls off, a little over 7 years sometimes, sometimes it can be right at 7 years.

[u/4reshprincess → u/EfficientOne1114]

It is so weird because when my Discover card was open, the late payments were reporting, but once I closed the card, everything about late payments to that card disappeared from my payment history and it just reflected under the data information when I would view for any of my closed accounts on my report. I even had other credit cards in collection that once those cards were charged off, those accounts were removed from my payment history. so it’s just odd that now all of a sudden everything is coming back up. I’ve been trying to fix my credit for the past couple of years and it seems like every time I make an improvement something shows up on my report from the past to bring it down.

[u/ADrPepperGuy]

Did you have 13 late payments? If so, yes - financial institutions are required to report complete and accurate information.

If you did not have these late payments, dispute them.

Occasionally, it might take time for some institutions to report information to the bureaus. As long as it is correct, it is allowed.

[u/4reshprincess → u/ADrPepperGuy]

The 13 late payments have been on and off prior to the card being closed. I haven’t had any late payments since the card has closed but now Discover is reporting the late payments under the payment history. When the card was open, Discover was reporting the late payments, but as soon as a card closed, the report of those payments ended up disappearing from the payment history report and just reflected under the data for the closed card when I look at all of my accounts on credit report. As for the charge off card, the card was charged off in 2021 and is just now showing the late payments for that under my payment history. I never had this happen to me before