Mine got fucked from a single credit card when I turned 18. You know those BS ones that have a monthly “service” fee.
Well after I had it paid off I never cancelled it or anything. I NEVER GOT A SINGLE NOTICE and I just forgot about it. So years of a 25 dollar montly fee not being paid and then the 30 dollar late fee everytime… ended up some STUPID ammount of money…
Well that company went out of buisness and sold it off to one of those Debt agencies that buy debt to settle with. Settled it but it still fucked me pretty hard.
Luckily my bank saw that all my other things were paid on time with no late payments at any point so even with the fucked credit they took care of me…
but holy fuck how embarassing