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I had a personal bank loan that I paid off and was reporting as Paid in Full a few months back. This past week that closed account updated on my credit files with a 30-day late from October of 2018, close to a year ago. It showed 100% on-time payments a good 2-3 months after it closed until now. Can they really update/add information a year later on a closed account?
Hi and welcome to the forums @Anonymous
Who was the loan with? Is the 30 day late accurate? Have you disputed anything since loan was closed?
It was with a local credit union. They did make a correction to the July month the loan closed, but it wasn't through a dispute through a bureau, was handled directly with them, which was an error on their part that they fixed. Can they also add negative information 12 months in the past just because of this?