If that is unsuccessful, you could try to dispute the late payment with the credit bureaus, but you'll likely be told that the creditor verified the information and no change will result if there are no errors in the reporting.

You will have to properly time out receiving money in your bank with how your LOC lender reports to credit bureaus.

Then speak to the loan officer, ensure they will report to all 3 bureaus and take out a loan for $5000.

@Mike Reynolds,  I have filed complaints with the New Jersey and Pennsylvania Better Business Bureaus. 

Business credit cards don't report to personal credit bureaus so your personal credit score will not be impacted.https://wallethub.com/credit-cards/business-0-apr/I'd recommend the Chase Ink Cash (50k Ultimate Reward points), Chase Ink Unlimited (50k UR), and Capital One Spark Business ($1,000 cash).

In fact, stay current on all your debt to avoid them reporting to the three credit bureaus and affecting your credit score even more. 

Jason Your credit report is updated every time a creditor reports to the bureaus.

@Jupshy JasminI use them for maintenance request late, fees documents , gives tenants an opportunity to get there rent reported to the credit bureaus.

(also, i have all my updated scores from all three bureaus from a well reputable company to pass along instead of getting my credit run again, but the agents ALL say they need to run it thru there company.) 

They also have the option for the tenant to have their payments reported to the credit bureaus which is great for the tenant who wants to build their credit.