I doubt that would make your score decrease 19 points, unless it was 30 days late and then I suspect it would drop more than 19 points
One of the most important variables in your credit score is % of available credit used, but I doubt $ 4 changes that calculation. Something else happened, multiple new credit inquiries?
yeah kid thats my gripe .. my credit shouldnt be tied to wether or not i use it for everyday purchases , i dont wip out my credit card to pay for toilet paper
Can't make this up....my credit score is/was 785 and on one of my cards I had a $4.00 balance and today my score dropped 19 points to 766 :think2: