Chime is a company that has created a bank account system that allows them to report "payments" to the credit bureaus, but it is NOT a vaild tradeline in our opinion. -- To consider a credit score as valid, we look for at least two open tradelines that have a minimum 24 months positive history and two more at least 12 months.

More than likely one is doing a soft pull and not looking at all 3 bureaus. 

However, if you choose lenders that originate the loan (purchase/rehab/DCSR) to the LLC (entity) and do NOT report to the credit bureaus then as long as you do not default on a loan, the odds are slim that your borrowing activity will appear on personal credit.

.- **No Late Fees or Penalties**: During the forbearance period, you won't be charged late fees or have delinquencies reported to credit bureaus.- **Repayment Options**: After the forbearance period, you won’t be required to repay all missed payments at once.

(not all debt ever reports to credit bureaus) They do not know that the tax returns will show the income or loss from the LLC, and that there are about 4 different reports other then the credit report that underwriters use to find undisclosed debt. 

Not a collection agency, but have you considered using a rent reporting company to report the debt directly onto their credit reports with the Credit Bureaus? 

The credit bureaus (TransUnion, Experian, and Equifax) sell the fact that there has been a mortgage related credit pull to bottom feeder boiler house type lending operations.

Using a service to report rent debts to Credit Bureaus can be very effective at recovering those debts because it can impact their credit report and score for years to come, typically 6-7 years depending on location. 

Rent Reporting Service to credit bureaus for the debt is effective and simple, pro is low cost, set and forget and high success rates, con is while you can report all unpaid rent you can't report damages unless they are quantified by an order from a landlord tenant board or small claims court.

Using a company to do rent reporting to Credit Bureaus is a good idea to prevent the delinquency in the first place and at least increase leverage to recover the unpaid rent after it has happened.