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  1. That’s awesome. I did not know about ACRs offering. Thank you! Sent from my iPhone using Tapatalk
  2. @chonkyfire this account is more than 20 years in the running, never late, and the lates came after setting up payment arrangements and missing to set up auto pay. Hopefully this helps compare… Sent from my iPhone using Tapatalk
  3. seems unusual. agreed, hopefully credit karma updates in a few days. Sent from my iPhone using Tapatalk
  4. over covid i had lates on four trade lines. i called these banks today to see if they could remove the lates or give me addresses to their dispute department and to 'office of the president' or similar. at capital one, a supervisor asked me if it was 'covid' related. i said 'yes'. she went ahead and processed three non-continuous lates and removed all 'deliquencies' what does this mean? will it just get reported on time. or this will be an 'annotation' that says covid related and will have no impact on my credit score. thank you in advance!
  5. Thank you,@sidewinder@centex @shizcat Points taken. What about lates on accounts that are already closed? Go after them too? Transunion report does not seem to care about those. Sent from my iPhone using Tapatalk
  6. @shizcat and @hdporter, I googled it a bit. Looks promising. Thank you very much!
  7. i was considering defaulting on a tradeline from Citi and wanted to know what impact it might have, and for how long, on my personal credit and my business credit. my business credit is currently an A+ thank you!
  8. Hi Almost at the finish line. Paid off personal trade lines. Three have 30 day lates. One of these is their mistake and I know what to to do. In two cases, it is actually an oversight on my part in the middle of covid arrangements. What are effective letters to banks? What tone does one take? Sorry, I am sure this has been addressed in the ocean that this forum is. I would greatly appreciate a quick pointer.
  9. thank you @cv91915 and @hdporter settling, if it works, will adversely affect business scores. for how long? is this similar to personal lines. my business scores are currently A+
  10. Hello creditboarders, good news is that I paid off personal lines of credit except a couple of Citi lines that are at zero percent. I have a few business lines left to pay. Now these are linked to my social security number so I am posting in the personal forum. What happens if I default/settle on these? Does it affect scores or stay off the reports? Thank you! Sent from my iPhone using Tapatalk
  11. thank you, all. always something to learn around here!
  12. hmm..newbie question then... why do people look for ones that do not report? i imagine showing more credit line (and soon paid off) will look better than not having it report at all. thoughts?
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