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Can a credit card company change the payment history?

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New Contributor

Can a credit card company change the payment history?

I had credit one for some time, I am sure I was late on a payment or two... well, when closing my account they brought it to my attention that I have been late in the past.

My credit report shows that I have been on time for the last 4 years, is it possible that they can change the history now that I have closed my accounts?

Current Credit Cards :: Utilization < 1%







Rebuild Started :: 3/2019


Credit Update :: 5/2019




I am trying to keep a tight ship around here...


My next goal is to go for the Amex 3X CLI, I will let you know how that goes!
Message 1 of 9
8 REPLIES 8
Super Contributor

Re: Can a credit card company change the payment history?

Yes they can. They can report anything that is accurate. If you were more than 30 days late at any point in the last 7 years it can be added to your report even if they weren’t reporting it before.

01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 2 of 9
New Contributor

Re: Can a credit card company change the payment history?

hmmm thanks...

Current Credit Cards :: Utilization < 1%







Rebuild Started :: 3/2019


Credit Update :: 5/2019




I am trying to keep a tight ship around here...


My next goal is to go for the Amex 3X CLI, I will let you know how that goes!
Message 3 of 9
New Contributor

Re: Can a credit card company change the payment history?

what exactly would changing my payment history consist of? A simple click, or being "audited"?

Current Credit Cards :: Utilization < 1%







Rebuild Started :: 3/2019


Credit Update :: 5/2019




I am trying to keep a tight ship around here...


My next goal is to go for the Amex 3X CLI, I will let you know how that goes!
Message 4 of 9
Super Contributor

Re: Can a credit card company change the payment history?

They would just submit an update to the credit bureau showing the late payments. Keep in mind though, you have to be over 30 days late for them to be able to report you as being late.

01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 5 of 9
New Contributor

Re: Can a credit card company change the payment history?

yeah I was, multiple times I am sure, but they always reported as being on time payments, never any lates... doesn't make sense, I never thought anything of it because it was in my favor. Until now, when they are mentioning things and talking weird like they are going to update the system all of a sudden, because I closed my cards

Current Credit Cards :: Utilization < 1%







Rebuild Started :: 3/2019


Credit Update :: 5/2019




I am trying to keep a tight ship around here...


My next goal is to go for the Amex 3X CLI, I will let you know how that goes!
Message 6 of 9
Super Contributor

Re: Can a credit card company change the payment history?

It’s shady of them to do it but it’s well within their rights to do so. 


01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 7 of 9
New Contributor

Re: Can a credit card company change the payment history?

Thanks, we'll see what happens on the 18th and 23rd when they report...
Current Credit Cards :: Utilization < 1%







Rebuild Started :: 3/2019


Credit Update :: 5/2019




I am trying to keep a tight ship around here...


My next goal is to go for the Amex 3X CLI, I will let you know how that goes!
Message 8 of 9
New Contributor

Re: Can a credit card company change the payment history?

Well it is looking good, both of the credit one cards are starting to show up as:

Credit line closed-consumer request-reported by subscriber

Account closed at consumer's request

 

 

Current Credit Cards :: Utilization < 1%







Rebuild Started :: 3/2019


Credit Update :: 5/2019




I am trying to keep a tight ship around here...


My next goal is to go for the Amex 3X CLI, I will let you know how that goes!
Message 9 of 9
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