I received a debt consolidation solicitation in the mail and it said my credit score was 711...I think that's good. I just got a call from Macy's telling me that my payment was late and it was reported to the credit bureau. How does one payment affect your credit rating?
I have so much trouble with Macy's because there's two accounts, Macy's and Macy's visa, but it's the same card. Two different account numbers. I get them confused.
