Make sensemikeymike1 wrote: ↑ That is correct - a deferral is an agreement between card holder/borrower and the lender.
The neutral mainly refers to the fact we are not to report it as a missed/late/30 day late, etc derogatory status as what a normal missed payment would normally be.
But as I stated, when you make a payment on your account part of the process of notating that payment performance is embedded in the actual reporting procedure that affects the scoring algorithm. If there's no physical payment made then the report is sent in with an unchecked "payment made" on that tradeline.
But even it's unchecked(no payment), it won't impact bureau score since borrower is not supposed to pay( deferred), is this how bureau is doing? Just try to understand what they meant "neutralize "