Architecture firm, 12 employees · New York, NY · 11 months
New York Architect Rebuilt Business Credit After COVID-Era Defaults
Member with 4 reported defaults from 2020-21 rebuilt to PAYDEX 81 and Intelliscore 76.
PAYDEX
4881
Reported defaults
41 (settled)
Challenge
Four trade defaults from the pandemic still dragged scores even though current payments were 100%.
Approach
- 01Settled and removed two of the four defaults via direct vendor negotiation.
- 02Filed accuracy disputes on the other two — one removed; one updated to reflect settlement.
- 03Added 8 new Tier 1-2 tradelines over 9 months.
- 04Monitored PAYDEX and Intelliscore monthly with Autopilot alerts.
Outcome
PAYDEX 81; Intelliscore 76. Renewed primary bank LOC after non-renewal threat.
FAQs
Can business credit defaults be removed?
Yes — via direct trade dispute with the furnisher when there is reporting inaccuracy, or via negotiated removal as part of settlement.
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