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How did my credit score drop to 476 out 850?!
I need to talk to you, I'll meet you in the living room.
Okay mom, let me grab a drink quick!
Amber did you borrow my credit two months go and used it for all of your purchases?
Well...know that I think about it...
Wow my mom is so cool for letting me use her credit card any time I want!
How am I going to get a car loan now Amber? When banks see my credit score they will surely turn my request down!
I'm sorry, especially for not telling you to pay the bill. The late payment must have dropped your FICO score even lower.
Well it looks like we'll both have to work more hours to pay as much off as we can each month. That way we won't be paying as much in interest.
Hopefully by working together we can try o bring your credit score back up as much as possible
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