I am totally bummed and shocked. I just checked my credit scores and they are pretty low. I have been credit challened for some time, so on one level I shouldn't be shocked. But I have been diligent in paying my bills, and my balances have really gone down. So why are my scores lower than they were the last time I checked?
I am on payment plans, and on several of my accounts, I am very close to having my balances down to my credit limit. Which is really good, as opposed to being way above credit limits. So what is wrong? I apparently was late on one payment recently. But that is enough to bring my scores down from average to fair or poor? Give me a break! I know the credit scores have been tightened, but this is unreal. Hopefully, the scores will go up a little in a few months.
