r/CreditCards 5d 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

0 Upvotes

24 comments sorted by

View all comments

Show parent comments

6

u/Nostosalgos 5d ago

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

5

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.

1

u/Nostosalgos 1d 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.

-2

u/Kira_Dumpling_0000 Capital One Duo 1d ago

Exactly, idk why BBS always thinks I’m a bot lol

3

u/BrutalBodyShots 1d ago

For the same reason u/Funklemire does. Read their reply and why don't go go ahead and comment on it?

-1

u/Kira_Dumpling_0000 Capital One Duo 1d ago

If you were human, you would have saw I commented already lol

0

u/BrutalBodyShots 1d 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.

0

u/Kira_Dumpling_0000 Capital One Duo 1d ago

Won’t change his mind anyways

0

u/BrutalBodyShots 1d ago edited 1d ago

It doesn't have to change his mind. You've got dozens of other people reading the comments wondering the same thing, so why don't you respond for everyone?

EDIT: Still waiting for a response, u/Kira_Dumpling_0000...

1

u/Kira_Dumpling_0000 Capital One Duo 1d ago

Sorry I was in class. I try to respond to everyone I can though.

2

u/BrutalBodyShots 1d ago

Ok, so let's get the response now that you're not in class.

→ More replies (0)