Yeah I have some late and missed payments in the past 3 years, but none in the past 12 months, I had my score up to 615 before falling 15 points to 600 with this high balance on my card. Crappy part of the whole situation, is when they posted this, I had made the payment on that card dropping the balance by 1500 dollars. Had I got it in sooner, it would have not hurt my score that way.