Not all late payments on accounts are reportable to the CRAs as lates.
If your payment is past the due date, it is late under your account agreement, but does not become reportable as a 30-late until it remains unpaid for 30 days past the billing due date.
While it is asserted that you were never late, how is the creditor handling it?
Apparently, they have considered you to be in default under the account agreement.
Have they also reported 30-lates to the CRA? If so, when did you finally make good on the payment?
As for the closed status, that is immaterial to delinquency status. Closed simply means you can no longer accrue more debt on the account.
You can, however, continue to accrue derogs.
As for a PFD, you can offer a PFD to a credtior or a debt collector.
However, in your case, the OC can still report monthly delinquencies, so a PFD offer does not have much meaning.
You must pay or they can continue to escalate delquency, or eventually do a CO or refer for collection.
