Miss one credit payment brehs...

[BlackPrint]

Chase made me change my password in like September, I forgot the password and was too lazy to change it (you gotta send a message to your phone twice and all typa shyt), month went by and I lost 115 points for the first missed payment in my life.

I don't really be using credit cuz I already got an apartment and a car, but shyt nikka feels like a gut punch.

 

[The Mad Titan]

Geezus

 

[Standing on business]

A 30 day mark shouldn't have dropped your score by 115.


Tell us about that c/o or collection bruh

 

[Vilify]

Was it 30 days late?

 

[AquaCityBoy]

If you scratch your ass the wrong way your credit score drops by about 150.

 

[onthereal]

How much are your payments? A one-time miss usually isn't that severe? That's like three months or more

 

[Chris Cool]

i ain't know shyt was like that. was it a big payment you missed?

 

[JLova]

dog, you paid a month later? That is damn near credit suicide.

 

[hayesc0]

Chase made me change my password in like September, I forgot the password and was too lazy to change it (you gotta send a message to your phone twice and all typa shyt), month went by and I lost 115 points for the first missed payment in my life.

I don't really be using credit cuz I already got an apartment and a car, but shyt nikka feels like a gut punch.

You should talk to the bank and explain what happened they might correct it for you.

 

[BlackPrint]

It was like 900 on a card with a $5000 line. First missed payment, 30 days.

I called Chase and the lady took off the late charge, can I use that to undo this or I'm just assed out?

 

[Arithmetic]

A 30 day mark shouldn't have dropped your score by 115.


Tell us about that c/o or collection bruh

Yes it can.

 

[At30wecashout]

Much like grades in school, much easier to lose your shyt than it is to get it. They forget about all that consistency the moment you have a hiccup

 

[Rarely-Wrong Liggins]

You all really need to read up on how credit reporting works. Most times you aren't even seeing the scores your potential lenders/financiers are seeing. These companies can solicit custom reports from the reporting agencies tailored to their specific industry (auto, mortgage, general loan). If your credit is rock bottom (540) or sky high (800) then that shyt won't matter. But most people are in the middle and that's where those few points can be the difference between owning a house or renewing that lease for another year.

 

[Tribal Outkast]

115 points

I would die man! I’ve worked on getting my credit right.. I’ve been paying my car note early or the day it’s due and it’s worked wonders on my credit. Man these credit agencies don’t play!

 

[AlainLocke]

You don't have automatic payments...