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800+ to 720 overnight… I messed up BIG TIME!

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FlaDude
Established Contributor

Re: 800+ to 720 overnight… I messed up BIG TIME!


@Zoostation1 wrote:

@citymunkyI don't think auto pay was the issue?  I'm not a fan of relying on auto pay as my primary payment, but am a fan of a minimum payment auto pay as a backstop in case I forgot or something came up that kept me from my usual PIF before it's due.


The OP apparently had this problem not because of autopay on their credit card, but because they had auto renew/auto pay with Godaddy for a domain renewal. For the purposes of this thread, it would help if posters specified which of those autopay scenarios they are referring to.

If @citymunky's concern autopay is for the latter scenario, I understand their point, but many services and subscriptions make it difficult to impossible to not have auto renew/pay.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)
Message 11 of 15
Sabine
New Visitor

Re: 800+ to 720 overnight… I messed up BIG TIME!

Update: I have no idea how this happened, but without even trying, that late pay disappeared from my Ex & TU credit reports ( haven't checked equifax)... I got a notification from Amex that my score increased 96 points and I'm back up to an 830!?! 
How did this happen? I got super lucky! 

Message 12 of 15
SouthJamaica
Mega Contributor

Re: 800+ to 720 overnight… I messed up BIG TIME!


@Sabine wrote:

Update: I have no idea how this happened, but without even trying, that late pay disappeared from my Ex & TU credit reports ( haven't checked equifax)... I got a notification from Amex that my score increased 96 points and I'm back up to an 830!?! 
How did this happen? I got super lucky! 


Wow. I'm very happy for you. Thanks for coming back and letting us know!

 

So you didn't call them or send a goodwill letter? This just happened?


Total revolving limits 710800 (590300 reporting) FICO 8: EQ 712 TU 710 EX 710

Message 13 of 15
FicoMike0
Established Contributor

Re: 800+ to 720 overnight… I messed up BIG TIME!

Fantastic news!

Message 14 of 15
Sabine
New Visitor

Re: 800+ to 720 overnight… I messed up BIG TIME!

Yes! It just happened. I did not contact them at all. 

Message 15 of 15
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