On the 19th now the credit bureaus didn't all show up and we were forced to push it back another day because the scores didn't show until after my original  closing time.

You could start reporting her late to the credit bureaus(it would get reported once it's 30 days past due), that might get her attention.

A lot of great options out there for self-managing if you decide to go that route; aside from providing the basics (listing, tenant screening, digital lease creation, rent collection, and maintenance tracking) some services also offer your tenants additional capabilities which makes it an easier sell on your end when getting them to transition over (ie. their ability to report on-time rent payments to the credit bureaus).

I think having a partner is a better option.The collections is from 5 years ago, however, its been transferred from collection agency to collection agency and the last one reported it to all the credit bureaus last month.

I do not wish to go to small claims court, but at least I can try collecting from her via 3rd party service and if unpaid, report the credit bureaus.

Can someone explain why payment with money order would be better than reporting payments to credit bureaus through RentRedi?

There are plenty of small banks, credit unions, non-bank lenders who do not report to credit bureaus but that does NOT mean you do not have a debt.

- Troy  Here's some information that may be beneficial for you.https://www.michigan.gov/leo/bureaus-agencies/uia/tools/fact...I would consult with my attorney

So could I just use my HELOC to pay off the card right before they report my balance to the credit bureaus each month? 

We do put them in collections which hits all 3 credit bureaus and doesn't cost us anything. 1.