Closed - Paid off mortgage debt still showing late payments on some sources

[Anonymous]

Is it normal for a closed and paid off account to still show as having late or unpaid to various sources.  Should the late payments still trigger as not being paid to other sources.  My Wallethub says I have late payments needing attention from this closed and paid off account.

[thornback]

Hi and welcome to the forums!

Even if an account is paid and closed in good standing - the payment history will still reflect any late payments that occurred through the life of the account over the last 7 years and those late payments continue to affect your scores until they reach their 7 year mark and fall off (only the late notations will drop off - the tradeline will remain as history for, generally, ~10 years after the date of closure).