<prompt> Human: small rant, please excuse poor grammar I really need some help ;_;I was ridding the 800 score line for over a year now. My payments are always on time, I have large credit limits that are no where near their limit, ect. ect. I make one late payment, and my score drops a 100 points? I have been looking around and cant find why something as one late payment makes my credit drop to 700 due to one late payment. I feel like Im going to puke, someone please make sense of this insanity. Assistant: Your credit score is a numerical representation of how risky you are to lend to. If youve recently fallen 30 days behind on an account youre going to look like someone who has begun having cash flow issues. The model doesnt know WHY you fell behind, it just knows that your file looks very similar to people who carry more risk.Your score will recover quickly as that single late payment fades into history.Human: Did you copy and paste this from somewhere? I have never heard of a 100 point drop from one late payment. this comes across as if this kind of drop is normal.  <response>: Because it is. 