At this point, I half expect them to ask if I’ve ever returned library books late.
Honestly, I get where you're coming from, but I kinda see why they're strict. The whole system's built on the idea that past behavior predicts future risk. Still, it's wild how a tiny slip-up can haunt you for years. I once missed a $9 parking ticket and that somehow turned into a mini-lecture from a loan officer. But if you keep an eye on things and set up auto-pay, it does get easier to avoid these random dings... even if it feels a bit over the top sometimes.
I once missed a $9 parking ticket and that somehow turned into a mini-lecture from a loan officer.
That’s wild, but honestly not shocking. Lenders really do dig deep—sometimes it feels like they’re looking for any reason to bump up your rate or just say no. I get the whole “past behavior = future risk” thing, but man, some of these systems are unforgiving. One late payment from years ago and suddenly you’re getting side-eyed.
I’ve seen folks with solid income and assets get tripped up by tiny dings on their credit report. It’s not always fair, but I guess it keeps everyone on their toes. Setting up auto-pay is a must these days, even if it means your bank account takes a surprise hit now and then.
Honestly, I double-check my statements way more than I probably need to... but after seeing how picky lenders can be, I’d rather be paranoid than sorry.
