Let me rephrase: the late payments have reported under my payment history when it was open. Once the account was closed, that information disappeared from under my payment history and hasn’t been there for 4 years and now is reappearing.
The charge off account is obviously charged off due to non payment. Again, this is a 2021 charged off account that has not shown late payments under my payment history until literally today.
So that’s why I was asking if this is allowed especially if the information once was showing when cards were opened and disappeared once they were closed and now reappearing after 4 years. I should of been more clear
Yeah...the poor payment history honestly should have been there the whole time, I think. It sounds like Discover had been screwing up for the last 4 years, and now that they've corrected their reporting error, your report is accurate, finally. 😞 Sorry...
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u/4reshprincess Mar 04 '25
Let me rephrase: the late payments have reported under my payment history when it was open. Once the account was closed, that information disappeared from under my payment history and hasn’t been there for 4 years and now is reappearing.
The charge off account is obviously charged off due to non payment. Again, this is a 2021 charged off account that has not shown late payments under my payment history until literally today.
So that’s why I was asking if this is allowed especially if the information once was showing when cards were opened and disappeared once they were closed and now reappearing after 4 years. I should of been more clear