<prompt> Human: Hey everyone - so, I just pulled my credit score and realized it had dropped OVER 100 points in the last two months from the mid-700s to the low 600s. I had ONE bill that I guess got lost during my recent move, causing the payment to be 60 days late. Everything else on the credit report was absolutely fine, completely on time. I have no long term debts, creditmortgage or otherwise, and pay my credit card bills in full every month - could this one unpaid bill cause such a huge drop??? Help!  <response>: Yes, a super recent 60 day late bill will have a huge affect on your score. 