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?
what exactly would changing my payment history consist of? A simple click, or being "audited"?
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
It’s shady of them to do it but it’s well within their rights to do so.
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