Having late payments removed from my CR

[Anonymous]

I have 45 - 90+ day late payments listed by one of my creditors. They charged the loan off in June of 2004, but have been reporting every month since then as 90+ days late, which gives the impression that I have been getting statements every month and then not paying them. I have not received any statements since 2004. This looks really bad on my credit report. Can they do this?

[Anonymous]

If they are reporting correctly, then yes they can...and should do that. By law, when they report your account history to a CRA they have to report correct and accurate details of that account.

If what they are reporting is inaccurate however, you should dispute those inaccuracies.