I destroyed my credit when I was 18-19 and have spent years paying 100% on time to see my credit go from about 530 to 640. All the stuff from 18-19 has dropped off my credit with 2 30 day late payments remaining on it both over 3 years old. I had all my credit stuff on auto pay and decided to get a new bank account so I could have a local bank vs online only. I didn’t realize I missed one of my credit cards that had $15 on it and it went 30 days past due dropping my score by 62 points. After all the years of trying to improve my credit it gets nuked over $15 which wants me to just give up. At this point I want to say screw credit but figured I’d ask here for any guidance/tips on bouncing back.
Submitted September 07, 2023 at 01:16AM by The_Martini_ https://ift.tt/jnyaJHW
