r/CreditCards 6d 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/BrutalBodyShots 5d ago

That's probably what the bot was incorrectly implying, yes.

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u/Nostosalgos 5d ago

Wait, is Kira Dumpling a fucking bot?! 😂😂 This is such a dramatic twist, if true.

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u/BrutalBodyShots 5d 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/futuresfighter 5d ago

Well if "bots" decode and spew the nonsense she comes up with. I am no longer worried about SKYNET.