https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/closed-account/m-p/628096#M94595 I believe they can, which is why sometimes it is actually worse to pay an old debt than to not pay - (a failing of the FICO scoring system IMHO) Sun, 31 Jan 2010 22:32:16 GMT QueenBean 2010-01-31T22:32:16Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/closed-account/m-p/628090#M94593 <P>Can an original creditor legally update an account after it has been paid and closed?</P><P>&nbsp;</P><P>creditor recently added late payments on an account paid and closed over two years. However, the lates newly reported are accurate.</P> Sun, 31 Jan 2010 22:23:39 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/closed-account/m-p/628090#M94593 Anonymous 2010-01-31T22:23:39Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/closed-account/m-p/628096#M94595 I believe they can, which is why sometimes it is actually worse to pay an old debt than to not pay - (a failing of the FICO scoring system IMHO) Sun, 31 Jan 2010 22:32:16 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/closed-account/m-p/628096#M94595 QueenBean 2010-01-31T22:32:16Z