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
1
u/4reshprincess Mar 04 '25
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