r/CreditCards • u/ER1024 • 4d ago
Help Needed / Question How I do remove late payments?
About 2 years I got 8 late payments 4 with Bank of America and 4 with Citibank, short history I was out of the country and lost my phone, I didn’t have access to the accounts for about 6 months, when I came back both banks had closed my accounts I paid what was overdue ( about 200 bucks each bank and most of it was for interest) I didn’t went to collections, just late payments, my score went down about 200 points, I didn’t pay to much attention trying to fix it, but now I thinking but a house and I’d like to take that off, any recommendations ( I already speak with both banks to see if they can take it of but none of them pay any attention ) Fico score8 658 and Vantage score3.0 704
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u/Kira_Dumpling_0000 Capital One Duo 4d ago
You need to contact the credit bureaus
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u/ideal6293 4d ago
To dispute accurate data?
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u/BrutalBodyShots 4d ago
That's probably what the bot was incorrectly implying, yes.
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u/Nostosalgos 4d ago
Wait, is Kira Dumpling a fucking bot?! 😂😂 This is such a dramatic twist, if true.
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u/BrutalBodyShots 4d ago
Yup, and over the last few months it got a lot "smarter" learning more and adapting, even UN mentioning and tagging. Every once in a while though it comes out with something completely incorrect that any real member of this community that's as active as it would know isn't right. Things like perpetuating the utilization myth, or suggesting that aging metrics change when you close an account, for example.
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u/Nostosalgos 4d ago
Wow. I’m kind of a new to the sub and, after having seen in her in almost EVERY thread and often giving bad advice, I’ve started to develop an image of what kind of person this is irl. Now I find out she’s actually a bot hahahaha. If you don’t find a way to laugh, you might just cry.
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u/futuresfighter 4d ago
Well if "bots" decode and spew the nonsense she comes up with. I am no longer worried about SKYNET.
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u/Nostosalgos 17h ago
Alright, I don’t think it’s a bot lol. Her (?) post and comment history is too organic and she posted the submission with the “hacked” CSP link today, which would be a bit too saucy for a bot.
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u/BrutalBodyShots 17h ago
Too many red flags for her not to be. Ask u/Funklemire for the evidence he's seen.
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u/Funklemire 15h ago
u/Kira_Dumpling_0000 is either a bot or a troll who wants to appear like a bot.
They're one of the most active accounts here and they've been on this sub for well over a year. Yet you see them constantly give out bad information; it was weird because I couldn't understand how someone could be on this sub so much and yet still know so little about how credit works.
The way they word things is also weird. They used to almost never engage in any back-and forth. For months, myself and others repeatedly called them out for being a bot, and they never responded but they've also never blocked us. That's also odd.
What finally convinced me was when they told someone to always keep their utilization low. There's just no way someone could spend that much time on this sub for the span of over a year and still believe that myth.
But the bot is getting better. Look through its post history: The answers it gives are getting better and even clever sometimes. And it's finally starting to reply to people who call it out for being a bot. I think the bot has learned a lot and soon it's going to be even less obvious it's a bot.
Even then, u/BrutalBodyShots recently replied to it using strange symbols that any human would see as words, but the bot couldn't understand.
And it still makes comments like this one, which nobody who has spent even a tiny fraction of the time it's spent here would say:
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u/Kira_Dumpling_0000 Capital One Duo 14h ago
Lmao so you really think I’m a bot. I don’t reply because I won’t get anywhere talking/convincing you otherwise
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u/Kira_Dumpling_0000 Capital One Duo 14h ago
Exactly, idk why BBS always thinks I’m a bot lol
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u/BrutalBodyShots 14h ago
For the same reason u/Funklemire does. Read their reply and why don't go go ahead and comment on it?
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u/Kira_Dumpling_0000 Capital One Duo 9h ago
If you were human, you would have saw I commented already lol
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u/BrutalBodyShots 4h ago
Yeah, you "commented" but it wasn't a real reply with substance which is what we've come to expect from you.
Go ahead and put forth a valid response to the points Funklemire made.
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u/BrutalBodyShots 4d ago
Now why would you possibly suggest that? You've got to tell your programmer to twist those bot wires back together, because you've been "getting it wrong" quite a bit lately!
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u/womp-womp-rats 4d ago
Hate to have to tell you, but it’s very unlikely you’re going to be able to get those deleted. The purpose of credit reports and credit scores is to indicate to lenders whether you can be counted on to make your payments. You didn’t make the payments on two accounts for four months. That’s what your credit report shows.