No. of Recommendations: 0
I didn't say it ruined my life. Just the afternoon.

Maybe I read too much into your "oh the humanity" comment. :-{)

I think it will be a long time before I describe a loss of 25 points as "a lousy 25 point drop". In my situation those 25 points could mean the difference between getting the job or not getting the job and getting the apartment or not getting the apartment.

Not knowing your situation, you could very well be right. I have seen scores drift up 50 points and more just by 6 months of "clean living" but if you are on a knife edge -- like maybe at a 620 score, I can see how the 25 point drop could be a precipice. You just didn't give me/us a lot to go on regarding how badly this score could affect you.

I reiterate that, absent not knowing precisely what affects the FICO (just as one doesn't know what physiological processes affect weight retention) the better, less stressful way to handle this is to simply go about your business doing the right things and que sera sera.
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.