quote:
My overall credit score was 815. I forgot one 20 dollar payment while I was going through a cross country move, switching jobs, and dealing with sick parents. It's now 741 after bottoming out at 710. I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.

Something isn’t right here. It doesn’t drop 100 points because “you missed one $20 payment” lol

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Posted by Jcorye1

Tom Brady = GoAT

Member since Dec 2007

71489 posts

Posted on 9/16/22 at 11:11 pm to TackySweater

quote:
Something isn’t right here. It doesn’t drop 100 points because “you missed one $20 payment” lol

Why would I lie about this? Is it somehow cool to get screwed by the system after over 20 years of never missing a payment?

If it wasn't one of the most idiotic things a person could do, I'd post the graph tracking my credit score, as well as the provided explanation on why it dropped.

This post was edited on 9/16/22 at 11:13 pm

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Posted by HarrisonTown

Member since Nov 2019

516 posts

Posted on 9/17/22 at 7:30 am to TackySweater

quote:
quote: My overall credit score was 815. I forgot one 20 dollar payment while I was going through a cross country move, switching jobs, and dealing with sick parents. It's now 741 after bottoming out at 710. I lost over 100 points of my credit score because I missed one 30 day payment. The system is broken.

//////Something isn’t right here. It doesn’t drop 100 points because “you missed one $20 payment” lol//////

Yeah, it is about right. You don't know what you're talking about. A single missed payment is the biggest knock on a credit score.

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