Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
Re: Late Payment Question

Open or closed, the issue of continuing to have delinquencies depends on whether they are continuing to bill on the debt, thus setting a due date upon which to base being more than 30 days past the due date.

If the account is closed and they discontinue billing, the last delinquency would be the one that occured when they last billed. However, delinquent debt continues after account closure, and if they continue efforts to collect, new delinquencies can accrue.

It appears you had a late payment after account closure that was reportable, but they chose not to report it.  They can always report at a later date.