https://ficoforums.myfico.com/t5/Credit-Cards/WHAT-HAPPENS-AFTER/m-p/999398#M283226 <P>What would be reported if I had a few lates, then the accounts were paid off?</P> Tue, 09 Aug 2011 16:48:31 GMT egaithe 2011-08-09T16:48:31Z https://ficoforums.myfico.com/t5/Credit-Cards/WHAT-HAPPENS-AFTER/m-p/999398#M283226 <P>What would be reported if I had a few lates, then the accounts were paid off?</P> Tue, 09 Aug 2011 16:48:31 GMT https://ficoforums.myfico.com/t5/Credit-Cards/WHAT-HAPPENS-AFTER/m-p/999398#M283226 egaithe 2011-08-09T16:48:31Z https://ficoforums.myfico.com/t5/Credit-Cards/WHAT-HAPPENS-AFTER/m-p/999410#M283228 <P>Hi egaithe,</P><P>&nbsp;</P><P>Welcome!</P><P>&nbsp;</P><P>Lates will continue to report for seven years - even after the account is paid off.</P><P>&nbsp;</P><P>However, you might consider going through the "goodwill" process - basically asking a creditor to remove the lates from your account.&nbsp; You'll find helpful info on how to GW (nicely!) on the <A target="_self" href="http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/bd-p/rebuildingcredit">Rebuilding Your Credit</A> forum.&nbsp; If you decide to post there, let folks know who the creditor is/was and how many lates/when they occurred.&nbsp; You'll get lots of helpful feedback.</P><P>&nbsp;</P><P>Good luck!</P> Tue, 09 Aug 2011 16:55:46 GMT https://ficoforums.myfico.com/t5/Credit-Cards/WHAT-HAPPENS-AFTER/m-p/999410#M283228 Anonymous 2011-08-09T16:55:46Z