My score dumped 90 points (from excellent to good / fair level overnight.
I checked and I had missed a $200 payment for 30 days to a credit card which I rarely use and apparently had balance there that I didn’t remember. Also my credit card balance usage level went from like 1% to 18%.
Those two were the only changes. Is this a normal thing? What can I do about it?
I immediately paid that unpaid balance and even paid off that 18% utilization of my CC balance down to 0. I feel like there has to be something wrong.. I can’t wrap my mind around 90 points. I am not in collections of any kind. I don’t have balances on my credit cards or bills are past due. I am pretty good at being ontop of my finances (except this mishap)
what do you think about this and can this be corrected somehow ?
thank you
I checked and I had missed a $200 payment for 30 days to a credit card which I rarely use and apparently had balance there that I didn’t remember. Also my credit card balance usage level went from like 1% to 18%.
Those two were the only changes. Is this a normal thing? What can I do about it?
I immediately paid that unpaid balance and even paid off that 18% utilization of my CC balance down to 0. I feel like there has to be something wrong.. I can’t wrap my mind around 90 points. I am not in collections of any kind. I don’t have balances on my credit cards or bills are past due. I am pretty good at being ontop of my finances (except this mishap)
what do you think about this and can this be corrected somehow ?
thank you