Two Late Payments Crashed My Score to 485

[davidbuckley237]

 

[Copingwithlife]

And that’s what late payments do . Affect your credit score . Irrelevant you are an international student

 

[david_harmon00]

I completely understand your pain, as I lost my job last year and watched my perfect credit shatter just like yours. I was so desperate to keep the lights on that I made some terrible decisions, which eventually led to my name being attached to a few Nevada Court Access that still haunt me today. Now I am stuck in a cycle where I can't even rent a decent apartment for my kids because landlords see that low score and turn me away. It feels like one small mistake snowballed into a life sentence of financial ruin, and it breaks my heart every single day.