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Gabby2468

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Reopening credit card with late payments
Is it bad to reopen a credit card that has late payments. The card is already on my credit report as closed by them but they asked if I would like to reopen it.

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Top Contributor
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I am shocked that they would reopen it, usually they don't. If you want to reopen it go ahead and do so. The late payments will be on your credit reports for seven years no matter what you do, open or closed, the lates will do the same amount of damage.

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