I had a business credit card that was behind by a week or so and they closed the account. This is when Citibank was going through a financial crisis about 9-10 months ago. I was shocked as I didn't think this could happen. The account was closed and sent to a collections agency after it was not paid. The collection agency called me several times but the business is no longer in operation, and I told them I'd send them money when I could. They called again today and had pulled up my personal credit report, and asked how I was making timely payments to the other creditors. When they couldn't pressure me out of information they said they are marking me as a refusal to pay. I never signed a personal guarantee as I didn't want to tie in my SSN with the Tax ID.
