re: Credit scores decrease for the first time in a decade; borrowers fall behind on payments

quote:

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I had over 800 until I missed one twenty dollar credit card billing cycle during a move and changing of banks, tanked it to 735 for basically two years.

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You know you could have just called your credit card company and gotten that late payment removed, right? I've missed one payment in my life because I changed banks and forgot to switch to the new bank for autopay. Called the credit company and they removed my late payment and reset the counter back to zero.