So sad right now. I'm a single mom and was so excited to raise my credit but when my debit card was frozen bc my account was hacked I wS unable to make payments. Then I ended up in the negitive with my bank and they ended up closing my checking account. With all this going on I missed a couple payments and now my credit is 100 points lower then when I started. I understand I made a commitment, but how am I really being pe nilized for not being able to pay back a loan that I didn't actually get