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One Late Payment Drops Your Credit 50 Points!

If you missed story #5 in the series, “Credit Karma To Pay $3 Million For False Pre-Approved Offers”…

Click —>> HERE or click the image below to see why Credit Karma got fined $3 million for misleading users, but not before millions of users were declined for credit cards using inaccurate recommendation information from Credit Karma. It’s a reminder that accurate information and knowing who to trust can be hard to figure out…

STORY #6: One Late Payment Drops Your Credit 50 Points!

Years ago, I was checking out at Macy’s which is one of my absolute favorite stores.

And just like always, they asked if I wanted to put my purchases on my Macy’s card.

I told the cashier that I didn’t have one and, as always, she asked if I wanted to apply.

99% of the time, I avoid these cash register last minute credit card offers.

But, on this day, I said YES and so did they!

Now, what they go and do that for lol? Instant Christmas.

Maaaaan I paid for that stuff, put the card in my wallet, went home and promptly forgot about ERRTHANG. 

Approximately 45 days later, I was reviewing my credit report and there was a late payment reporting from that damn Macy’s!

I was FURIOUS at myself.

At the time, I’d been working on increasing my score and that single late payment dropped me 40 points on one bureau and 50 points on another. 

I tried everything to get that late notation removed. 

I tried the stuff people say in the YouTube videos. 

I called and pleaded my case with Macy’s. 

I disputed with the credit bureaus. 

Nothing worked. And that late payment stayed on my report for years. 


Back then, I didn’t know the 5 components that make up the credit scoring model. 

And if you still don’t know those 5 components today, we have a remedy for ya, in this Master Class.

Join us for our next 90-minute Mindset To Money Master Class, led by Dominique Brown, as he shows you how to repair your credit scores utilizing automated AI software. Imagine just sitting back and poof…letting AI do all the disputing work on your behalf.

Learn how simple it is to start the automated process to build a clean and optimized credit profile at the click of a button. Click the link below to learn more about the Master Class.

Mindset To Money members attend for free. 

Everyone else pays a one-time fee of $147 bucks. 

We start at 7:00pm CST on Tuesday, May 30th. 

Click —>>> HERE or click the image below to register.

At Your Service,
Danielle Pierce

Complete Your Registration:


Ready for story #7 in the series? Click —>> HERE to read why Dave Ramsey says your FICO Score = I Love Debt Score!, and what we think about that

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