Is it possible to get late payment history removed from my credit report? I have an old credit card with Bank of America that I paid off and closed (realize I shouldn’t have now) about a year ago that has 180 day late payment history on it. The most recent late payment was 4/19 and it was paid off and closed 3/20.

Also, my score just randomly dropped across the board by 20 points even though there has been 0 change to my credit report, credit balances or student loans aside from my bringing my credit utilization down from 6% to 0% as I usually do every month. Any idea why this would’ve happened? As of July 6th I will have had my second (third if you count my closed BoA card) credit card for a year.