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Tonylrose

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The account i am talking about is open since 2009 of september its says 120 days late all the way up to end of 2015 and every thing blank to the present. Should that account gone to collections? I am trying to buy a house i have no other late payments over 2 years i have a couple late payments that are going to hit 7 year mark soon. I have been fixing my credit this is the one i am worried about should i pay this since this is open. bank says i cant have any late payments for 12 months this late payment has no data for over a year

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Is the account at hand still actually open or not? If not, then you should dispute the account for incorrect information. Lenders are required to close accounts within a certain period of time if payments are no longer made.

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