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jlandry1981

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My credit score dropped 21 points, but there are no changes on my reports? How/why did it drop?
Trying to rebuild credit is so very frustrating & discouraging. People change, things happen, and past experiences/issues should not be held against people for ever! And, it shouldn't be so hard to try to get back on track. >:(

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Top Contributor
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Something changed or your score wouldn't

I agree,  it can be very frustrating repairing your credit.  Credit history's go back 10 years.  It usually take 7 to correct old mistakes since they stay o your report that long.  The truth though is that most scores are based on the last couple of years of behavior. So there is some light at the end of the tunnel. 

Credit and Credit reporting is a slow moving behemouth.  It takes 60 days to see a change from positive activity of today, yet it only takes what seems like a few moments to see changes when something negitive happens.  The system is et up to benifit the Creditors, not the individual.  

Learn as much as you can as to how credit works.  The articles and blogs here on CK are very helpful.  Learn to play the game using their system and you'll be amazed at the results.  Its not something that you can just ride along with and expect it toi work for you.  You've got to work the system to your beneift. Stick with it and persever!  It will get better.

Good luck

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