The bureau's don't use logic, it's just a bunch of score cards.Hope this helps,Frank

Per the credit bureau guidelines if a payment is made over 30 days late you can mark it as late in our system though. 

Thru RHA you can get all the forms needed and get set up to run credit applications with Credit Bureau Assoc (cbacredit.com).

Put in a complaint with the better business bureau.

;) My MAC's do it automatically.It is great site..But I notice that the REI groups I attend are swelling exponentially in attendance as everyone is looking for RE as a income stream to compensate for years of poor choices in conventional investments & a lot of bad lifestyle choices per se.Referring these people to BP is fun to do as it's well worth a novice to get in depth discussions on all aspects of the enterprise.

@Brooklyn Au, I don't think you need a court order to report someone to a credit bureau.

A rating of F with the Better Business Bureau.

Also go to youtube and search for moving to <city, state> or living in <city, state>If you check the census bureau or listen to the financial news to see where jobs and population growth is that will give you a clue.

Unfortunately, the Dodd Frank Act, as well as the regulations of the Consumer Finance Protection Bureau, have made it very difficult for these type hybrid parks to operate anywhere near as profitably.  

Cleveland has consistently lost population for decades and according to the census bureau will continue that trend, albeit at a slow pace.