Hello everyone, Please could you give me advise what I should do ? I ported my cell phone number into FIDO (I know they do credit check) but my score was not affected right way. so the agent told me that you are not going to pay anything till your bill comes so I said okay ! no problem. The bill came on first of this month July first the due date is 26th July for 95$ till now everything is okay so I monitor my credit through both Equifax & TransUnion. My score on equifax did not affect but on TransUnion was hit by 60 points ! and shows a balance of 53$ I did call both transunion & FIDO to understand what happened (FIDO said we do not report until the due is late by 30 days while it shows on my credit they did report on yesterday ) TransUnion said any delay in payment will hit your score......... so how come this ! please if anyone is with FIDO tells me what I must do to solve this issue and get the 60 points back or even what will happen in the next month I do not want to damage my credit by my own hand I do not care about money too much but I do care about my reputation ! plus I pre-authorized my credit card. please could you tell me is it the credit check or the 53$ balance on my TransUnion damaged my credit. I'm most grateful to who help me.