[akaivyleaf]

All of this is dependent on the account owner...not you, the creditor. Sometimes you can close an account and it stays there- whether you had late payments or not. Other times once its closed, its poof wiped out.

Yes you can close your account with the company, you always have that right, but they ultimately have the final say so on the credit report. You can put a 100 word statement next to the account, but I believe the three major credit bureaus will notate the account "Closed by consumer"


The History, whether payments are late or not, will stay as long as the account- closed or open- remains on your credit report.