Credit card payment history longer than 6 years?

Andysaint

Hi

Sorry if this is a stupid question, but I was on Checkmyfile.com to go through my credit file. I noticed that some Credit Cards I closed show a payment history longer than six years long and in some of these I had missed payments listed.

Just wondering if any potential lender can see the payments from older than six years ago or not, and if these would still impact any credit I went for in the future?

For instance. 

Credit card opened - March 2016
Missed payment listed in December 2016
Credit card closed - June 2020
Credit card will fall off my file - June 2026

We are now at June 2024 and I thought I could only view back any payment history for the last six years (i.e back until June 2018), but I can see every payment from when I opened the card in March 2016

No missed payments on the card for 7.5 years (since Dec 2016), but will this still negatively affect my credit score until the card falls off in June 2026?

Im confused! lol

WillPS

I suspect this is either data which wouldn't be shared with a lender as part of a credit search or this is data checkmyfile.com have cached which doesn't exist with the credit bureau themselves at all any more.

Andysaint

WillPS said:

I suspect this is either data which wouldn't be shared with a lender as part of a credit search or this is data checkmyfile.com have cached which doesn't exist with the credit bureau themselves at all any more.

Thanks for the quick reply, much appreciated.