this post was submitted on 17 Oct 2023
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My wife literally defaulted on 2 or 3 credit cards last year (she got a head injury at work and literally couldn't remember whether or not she'd paid them) and while her score dipped into the 400s it's back up to the low 600s thanks to regular payments on our mortgage and car loan.
My brother in law apperently managed to drop into the 300s though. He has relatively high income from his factory job, his mother helped him buy a house and he spends all of his money so every payment is late or missed and he's constantly on the brink of defaulting purely because he doesn't know how to manage his money