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Eramos33

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if i close my credit card will the late payments wipe out?
basically im in good terms with capital one now but i do have 7 late payments from like 2 years ago.. now if i close my credit card account would my late payments also wipe out? and just open a new account and start fresh? so i can get a better credit score.

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No

Your payment history will remain on your report until they expire, whether the account is closed or open.  Closing the card will drop the average age of your open accounts and that will hurt your score, and the late payments will still show.

you could write to the credit card company a "good will" letter.  This usually only works if you're late one payment and you've caught back up already.  They can remove the late pay,net, however, there is no benefit and no requirement to do this.  It's really just a Hail Mary play.

The only real way to improve your score with this account is to keep your utilization low and don't miss any more payments.  The older the late payments get, the less impact they will have on your score.

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