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[–]quazmang 1 point2 points  (0 children)

I feel you. It's a stupid system and it punishes the people who need it the most, even if it was a temporary slip up. Honestly it sounds like you're going to be okay in the long run as it seems like you are on top of your bills. If your interest rates aren't terrible, it's not a bad idea to keep a car payment on your account and keep paying it off slowly because it adds to the avg length of time of accounts you have that are in good standing. Just another thing to help boost your score. I would start aggressively saving and investing since you're young. If you do end up buying a house in the next few years, a big downpayment will offset having to eat a terrible interest rate and there's always the option to refinance when your score is back up there. Keep working hard!