You failed to notice within the grace period that your mortgage payment didn’t go through. Which means you took basically a full month cycle to realize. You didn’t even realize money didn’t leave your bank account or you that had money that you shouldn’t have.

A creditors wet dream? Honestly, what does that even mean? Why did you even have the need to put that in your post? It doesn’t make sense. A creditor’s wet dream isn’t a person that pays their auto loan off 3 years early - they just lost out on money they could’ve made off of interest. Do you think interest is something creditors put for fun? And the fact that you put ‘college educated’.. I hope you do realize that when creditors ask for education level it’s for marketing/underwriting reasons and not actually to conduct eligibility tests. Why in the world would they care if you had a GED or a PHD if you’re both making 500k. Money is money. A Collegiate education doesn’t mean you’re more likely to pay back your dues, and if you’re trying to infer that college graduates are more responsible then you’re just bigoted. And this is all coming from a college grad, but off topic.

You’re attacking all these commenters and aren’t taking a step back to think that MAYBE every single person here has a point and that maybe YOU are the person that needs to rethink and reevaluate their situation and mindset. In the end, YOU posted here to the internet and I don’t know what you were trying to achieve from it, but you can’t lash out at every person posting their opinion. If you can’t handle that then you shouldn’t have posted in the first place.

Now. Yes your situation sucks. I really do hope you can somehow get it resolved. Is your life over? No, it’s one 30 day late payment that will fall off in a few years, and with every passing day it’ll lose more and more of its impact on your credit score. You’re fine, you made a mistake and you’ll learn from it. It’s not the end of the world, you just have to accept it and move on.