[TheUnderwritingProdigy]

although I've heard that some funders will lock up a client by putting him on datamerch with a bogus claim... kind of like the beginning of covid, where all payments were lowered even when the merchant didnt ask for it, and they immediately became "lowered payments" lol

ehh. Not really sure how much I agree with that still being the case. It's pretty standard to see accounts w/"COVID-19 Hardship" being selected on there. Most of those postings are nearly a year old at this point and I know, personally, it doesn't make any difference whether or not I'll fund them this far down the line.