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csimo1

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Why when an account has been closed by the consumer it is not reflected and the creditor can enter
any thing they want isn't that loan sharking

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latepayment

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How do i remove lateralmen

How do i remove latepayment from my credit

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Paying vs. Righting off the debt

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YOU DID NOT PAY OFF THE DEBT! The creditor got tired of either going back & forth with you with no progress on the debt being made, or the creditor tried for an extended amount of time with no response from you, so, after their set time period, they just wrote it off. It would of been reported to the credit bureau as a positive "paid off account" if you actually paid it off. But, that was not the case.

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Oppurtunity is there...

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First,  The creditor is paying to report with the Credit Reporting Agencies.  Plus, Its what they do for a living.  Part of the everyday functions of business, They have whole departments devoted to maintaining their credit files and part of that job  is reporting what happens on their customers files.

Second. You can write to the CRA's and have letters attached to your file too. You can explain any action that happens in your file. All you have to do is Write and ask to have it permanently attached. Viola, You're input is their along side theirs. 

Problem is that most people don't take the time to learn how the system works or how to use it properly, Nor do they want to make the time to actually follow through.  A little education and effort can go a long way.

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