Sure a vendor can STOP reporting NEW data on a report but whatever has been reported prior...
Will stay on and it can be up to 10 years, yes.
This is why the schmucks that 'sale' the credit piggyback stuff online and on Craigslist sale a 2/3 month and on to the next because typically that AU account even without updating will last quite sometime ( perhaps not the entire 10 but it could be years)
CRAs are about keeping data ON reports...
The more data they have the better from their POV, so generally unless it's disputed off, there isn't even big deal for them to just leave the file as is
It'll show last payment as of but the model many times just keeps rolling the age....
It won't report as account closed because the account wasn't closed, the reporting just stopped updating that's a huge difference.
I had a ghost AU account show up on my file and because it gave me history and CL utilization juice I said nothing, then like a year and a half later, it fell off
I couldn't complain it helped me even though it looked abandoned and hadn't reported for like 4 years but it helped me build for a year and I'd like to have it back,but it's not like I can ask😃
Anyway you control whether or not to continue to have Cap-1 update the reports to the CRA by removing them from your Cap-1 account but that's where your control ends....
The CRA can and will continue to report as they please unless the AU disputes the account as not Thiers, which of course they'll successfully get the items removed....only sensible if the account has a baddie or high debt load , otherwise no reason to dispute IMO
Best of Luck
