After years of having a low score and not understanding it...I finally raised my scores to 750 a year ago. Now, this past November I had an old credit card I never used getting charged for iTunes purchases I was making and didn't even realize it was going to THAT card. So there my credit card sat....month after month with late payments bc I was paying no attention to it. So they closed it FOR me....and now my score has nosedived to a 580.
I'm reading how to raise this score asap on the forum...there's lots of great info...bc I still can't believe I let something like this happen. One too many credit cards will ruin you.
-K
Starting Score: 581