Originally Posted by FStyles
Having perfect credit at my age doesn't automatically put me at 800 to start
I have zero blemishes besides this, have IMO very good oincome with healthy lines of credit which put my at 767 beofer they reported it again. 100 points later, a 667 is hardly anything to be happy with.
Well, put it this way. 667 may not be ideal, but its still not going to be an issue unless you are planning to buy a car soon, as is not uncommon at your age. Or a house, which is much less common.
If you can hold off for a year or two on legit purchases that almost have to be financed (i.e. a car or house), you should be OK.
At least you have the smarts to care about this and try to remedy it at your age. From what I can tell, I am not much older than you (27) and I try to be responsible with my finances as well. I'm glad to see someone else doing the same.
I know guys in their forties that have credit scores well below 667. And not because of uncontrollable or noble circumstances, either, such as divorce, major health problem, or a failed business. These guys are just fucking idiots when it comes to personal finances, haven't even learned to save at that age.
You'll be OK, kid. Just hang in there and learn from this relatively minor mistake (seems you already have).
You'll be OK