Just found out my credit score dropped 40 points from one missed payment

I was checking my score on Credit Karma yesterday and saw it went from 720 down to 680. It was a single $35 payment on a store card I forgot about from three months back. I had no idea one small slip could hit that hard. Has anyone else had a score drop this much from one mistake?

4 comments

4 Comments

milarodriguez3mo ago

How long does it take to bounce back from that?

stone.lisa3mo ago

Honestly, some people never really do. It just becomes part of you.

evakelly3mo ago

Took me about a year to feel normal again.

avery_flores171mo ago

That timeline makes a lot of sense, @evakelly. For me it was more like a year and a half before I stopped replaying everything in my head every single night (which is exhausting, by the way). The weird part is how you just wake up one day and realize you haven't thought about it in weeks, like your brain finally got the memo to move on.