Late Payments over 6 Years old on Credit Report.

stuffedfoll

Hi all

Over the Last 6 years I have tried to tidy up my credit report. Last month a Default I had finally dropped off. Today I went to check my Credit Report and Score. I noticed that 2 late payments I have on an old HSBC credit card were still showing. These were in Feb and Mar 2014. I cancelled the card back in February 2015.

My assumption was that these should have been cleared by now as it been more than 6 years.

Am i wrong ?.

D3xt3r5L4b

What’s the status of the account?
Is it closed/defaulted?

Willing2Learn

I agree with Gary...

stuffedfoll

D3xt3r5L4b said:

What’s the status of the account?
Is it closed/defaulted?

Willing2Learn said:

I agree with Gary...

So it shows as Settled/Closed on Experian and Settled/Satisfied on Equafax. I cancled with no debt on the card in Feb 2015

Willing2Learn

Something is wrong with what you are saying...

The account was closed in February 2015.  That means your account conduct will be reported until February 2021.  The late payment markers are irrelevant as they are so old and won't impact your record either way. 

stuffedfoll

.

Willing2Learn said:

Something is wrong with what you are saying...

The account was closed in February 2015.  That means your account conduct will be reported until February 2021.  The late payment markers are irrelevant as they are so old and won't impact your record either way. 

I am saying what I see on my credit report. I assume even if I was using the card in 2009 and It was cancelled in 2015 it will still show. Are late payments there till 6 years after I close the account ?

Willing2Learn

stuffedfoll said:

.

Willing2Learn said:

Something is wrong with what you are saying...

The account was closed in February 2015.  That means your account conduct will be reported until February 2021.  The late payment markers are irrelevant as they are so old and won't impact your record either way. 

I am saying what I see on my credit report. I assume even if I was using the card in 2009 and It was cancelled in 2015 it will still show. Are late payments there till 6 years after I close the account ?

Correct.  But they don't matter because they are so old.  So don't worry about it 

stuffedfoll

Willing2Learn said:

stuffedfoll said:

.

Willing2Learn said:

Something is wrong with what you are saying...

The account was closed in February 2015.  That means your account conduct will be reported until February 2021.  The late payment markers are irrelevant as they are so old and won't impact your record either way. 

I am saying what I see on my credit report. I assume even if I was using the card in 2009 and It was cancelled in 2015 it will still show. Are late payments there till 6 years after I close the account ?

Correct.  But they don't matter because they are so old.  So don't worry about it 

Perfect thanks. I only noticed it as i look on the checkmyfile site and it has flagged that as adverse.