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My question is.. Is this accurate? Can a CA report late payments/past due payments AFTER it shows the account is closed? How can their be late payments on an open account? I know it seems small but I think improving reporting on my credit report any little bit will help and I was considering disputing them.
My other question is, these accounts are also the accounts that kept my average age of accounts at 11 years (im 29, only had credit since I was 18). If they drop off, even if they are bad, I am afraid that this will shrink my average age of account so low it will have a huge effect on my credit score which would be bad. So i dont know which is better.Leave them alone and let them keep inflating my averager age of accounts or dispute them and maybe get them deleted completed or at least get the post-closed late payments off?
They can show lates on the account up until the time they were paid. After they were paid, there can not be a late on a $0 account.
as for the affect on your AAoA, yes, you can take a hit. But for me a cleaner report is much better.