Help please! Account closed in 2009 reporting late as of 3/2013

[kadsand]

Can anybody help me out here? I'm very confused. This is on a von maur card that I had a few years back. I paid the balance and the card was closed in 2009 but on my official transunion report it says that the account is reporting 90 days late as of 3/2013. Here is the copy from the report. I'm new to all of this and I want to make sure that future creditors don't think I'm currently late on an account that I paid and closed 4 years ago. Thank you for your help.

$0 Date Updated: 03/31/2013 Last Payment Made: 02/18/2009 High Balance: $196 Credit Limit: $0

Pay Status: >Account 90 Days Past Due Date< Date Closed: 02/18/2009 Date Paid: 02/18/2009                              >Maximum Delinquency of 90 days in 03/2013<

[Hopelives2]

were you ever late?

[kadsand]

yes i was late the last 3 months before the card was closed. i had lost my job. i just wasn't sure if it was coming across as i was currently late or that was the latest i ever was. its due to be removed 11/2015. I just feel like an idiot when it comes to credit reports so i really appreciate all your help.

[Hopelives2]

Don't feel like an idiot, we all come here for help; I did not know a thing until I started perusing the forums.  And I still ask for help

So, the card is paid in full.

It is set to come off in 11/2015.

It is 2013.

I would write them a GW letter, telling them about job loss, that you loved the product and really regret you could not do more.  Ask them if there is anyway they would consider removing the derogatory remarks, and see what they say.

In my experience, I had a VERY large company tell me they "never delete appropriate ethicial remarks no matter how destructive they are; it is against policy" or some such other blabbering.

Only to find out, they did in fact delete the tradeline altogether.

If they say no, wait a couple of months, and ask again.  People who read those change jobs frequently.  You just need to get the one that says, "Awww... of course, I'd be happy to delete that for you!"

[guiness56]

Account status should say paid closed.  Worst delinquency should say 90 days past due.

[Goodscore81]

I would write them a gw letter.  It worked for me.  They removed a paid charge off.