I fell behind on my mortgage and my credit score tanked 175 points. Here’s how a major drop can affect your financial future — and how to get back on track ASAP

Let’s say you’re about to lease a new apartment, apply for a loan, or take out a mortgage. These major steps require a credit score check to ensure you’re a borrower who pays bills on time and has a healthy debt-to-income ratio. You check your credit score expecting to see a rating between 740 and...

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