@nycfico wrote:ARGGH!!!!
We've been working so hard to keep everything squeaky clean now for over two years. My scores have gone from the high 400's in late 2011 to 550 a year ago to 650 now.
And due to a total miscommunication, we are 60 days late on a $130 gas bill. Fortunately it only reports to Experian, but still my score has dropped 40 points!!!
I am so freaking angry at me/us and cannot believe this happened. How bad is the damage on this? is it as long lasting as being 60 days late on a credit card?
Yes its impact would be equal to a CC 60 day late, Fico doesnt differentiate they lates on different types of credit., I would try to get the PFD on this one.
