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Reply to "I accidently forgot to pay one $50 credit card bill and it's totally hurt my credit. HELP!"
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[quote=Anonymous]I have always had excellent credit (>740). I have joint accounts on just about everything with my husband. I wanted to surprise him with tickets to a local orchestra concert last year, so I charged the tickets ($50 total), to a Bank of America credit card that is only in my name and I rarely, rarely use. Because I rarely use the account, I missed the bill and was about 60 days late. I paid the penalty and moved on. It was really stupid of me, but it is the only time I've ever done something like that. Well, now we are buying a house and that stupid mistake dinged my credit 100 points! In fact, we have to pay 1 point on the mortgage which will cost ~$3000. Do I have any recourse? The mortgage broker said to start by calling Bank of America. Any tips or hints on what to say?[/quote]
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