Closed card reporting lates

Anonymous · ‎07-17-2014

I have a Capital One card that was closed by them in 9/2012.

The account was paid in full 12/2012.

Can they still report lates for Oct, Nov and Dec AFTER it was "closed"?

It does show last activity as Jan 2013 and reported OK...... Jan - June 2013.

core · ‎07-17-2014

Of course they can. Them closing the account (or even charging it off) doesn't mean you don't owe the money.

-Wade- · ‎07-17-2014

@Anonymous wrote:
I have a Capital One card that was closed by them in 9/2012.

The account was paid in full 12/2012.

Can they still report lates for Oct, Nov and Dec AFTER it was "closed"?

It does show last activity as Jan 2013 and reported OK...... Jan - June 2013.

The answer is yes they can until the account was paid off and that was in Dec. Sorry

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Anonymous · ‎07-17-2014

As a general rule lates can remain on your credit record for seven years. It has been reported that some creditors might consider removing them early based on circumstances. Good luck.