The article is interesting. When one uses credit to an extreme and it suddenly changes under you, the conversation becomes interesting. The issue is - one neg

The article is interesting. When one uses credit to an extreme and it suddenly changes under you, the conversation becomes interesting. The issue is - one negative thing like a 30 day lack of payment - tanks a score based on things you mostly can't control aside from paying bills. I had this happen recently because in the US mortgages get sold repeatedly and on one propery I have it was sold 3x in a year and somehow I missed one thing. Shouldn't have, but multiple addresses, shifting mortgages, etc. The funny thing, once the "deliquenct" account agency wasn't involved, the score ticked back up. In the US - credit is a game, it's based on how much you make (or how much you claim you can make), making payments, an keeping a score high. If you hit a high threshhold and suddenly sink after years of relationships...those old relationships can help with debt and collection. At a certain point, institutions you have dealt with want to maintain healthy relationships. I've have great credit situations with Amex and Citi going back decades and leveraged those to offset/erase turmoil issues.