Was going to go for prime card but -31 pt drop HELP!!

[Anonymous]

I have been working hard the past 7 months on my credit.  I was around 688, until i forgot to pay a balance before statement date.  The score dropped to 668, no big deal, I PIF when the bill came.  I was checking my scores and noticed a PR dropped off which should be a good thing, but my score dropped to 637.  What do I do or can I do?????

Two changes on the report

1. PR Gone

2. The date of your most recent missed payment is unknown.  As you can see at the bottom of second paragraph below does not jive with bold right below this

Your most recent late payment happened
1 Year, 1 Month agoMost FICO High Achievers [?], about 93%, have no missed payments at all. But of those who do have a missed payment, it happened nearly 4 years ago, on average.

If you missed a payment, your FICO score evaluates how recently that missed payment occurred. In general, the more recent the missed payment, the more impact it has on your score. In your case, the date of this missed payment cannot be determined.

Keep this in mind: If you ask the credit bureau to report a date for this missed payment, it may lower your FICO score in the short term. If the late payment on your credit report is valid, you should focus on continually paying all your bills on time. This will demonstrate a good payment history going forward.

[Anonymous]

hi mogo. Hmmmmmmm....doesn't make sense does it? Perhaps you have graduated into a new scoring category(we call them buckets). And it kind of means you are starting anew in that new scoring catagory. Don't worry. It happens to most of us. The scores should recover in 2,3 or 4 months time, imo.

[Anonymous]

Any thoughts to what the date of missed payment cannot be determined?

[Anonymous]

I have no idea....sorry.

Other than the fact the the ccc did not report the date when you, in essence made 2 payments to pay for 2 statements. I just don't know. Maybe others will have an idea and will respond.

[Anonymous]

No, I forgot to pay down the balance before the statement was cut, so it would show less than 5% on the CR.  I always pay in full in each month, since I pulled my head out of the sand about a year ago.  The good part is I discovered an error on my credit report that I had not noticed before on a baddie.  Take the good with the crazy, something new to dispute

My only thought is I have one CC that has not updated since Dec. and that is the only thing I can think of.  I sent a not to Fico support for explanation of the words in question