I have acquired a dozen or so credit cards through time. Many of them I have had for several years. My Credit Report showsI have never been late with a payment to them. Check out how I got a late payment removed. I use Autopay to make sure all my cards and other loans are paid every month. Most of the time I only use one or two of my credit cards. However I pay Netflix on one, my phone on another, and small bills to keep my important cards active. My HELOC Debacle 790 to 580! I went from a 790 credit score to 580 with only one change in my credit history. I had three HELOCs. I had three houses that were nearly paid off. I put HELOCs on them for $100,000 each. I owed a total of about $70,000 on the three houses. I had autopay set up on all of the HELOCs. I get a call from myBanker. He said I needed to come in and sign some papers. I forgot and he called again a couple weeks later. I stopped in and he was on vacation. So I forgot to catch up with him. Four months later I
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