"never been late" CC requirement??

[Anonymous]

I feel this is a silly question, but the Capital One Platinum Prestige card has several requirements, one of which is:

"have never been more than 60 days late on a credit card, medical bill or loan payment."

So my question is, for a requirement like this, do they really mean never late for the last 7 years, since negative info only stays on credit reports for this amount of time?? 

My baddies were charged off after a series of late/missed payments. Since they are now negative accounts, they will be deleted. However, I have seen my mom's CR and noticed closed revolving accounts as old as ten years still reporting.

So after these baddies are off my report and I maintain a good payment history, can I technically say I "have never been more than 60 days late on a credit card, medical bill or loan payment" since there will be no history of them on my credit report??

[Anonymous]

I think as long they are on the credit reports, it might be an automatic DQ. But i'm not sure about this particular product. You might want to check out whogavemecredit.com

[haulingthescoreup]

Closed accounts should report for (up to) ten years after the closing date. Any baddies on them are supposed to stop reporting 7 - 7.5 years after they occurred. So a closed account with baddies ought to have at least 2.5 - 3 years of clean history reporting before they fall off entirely.