Bummed out today about credit report... :(

[Matthew Stover]

Found out some disheartening news about my credit report.

Last week I applied for a Bank side loan to make an offer on a rental property. The bank called me today and said that they won't be able to loan me the money due to the low score.

I asked why and it turns out Macy's f--ed up something and my credit score is low because of it. Mind you, I have had 24 payments of on-time mortgage and everything else has not been late. But that is what put me down.

I called up Macy's and they are taking it off my credit history and submitting it back to the credit bureaus. It'll take 30 days. I don't know what it will do to the credit score but I sure hope it goes up to something reputable.

So I'm sort of down about the entire situation. What could I do? Wait or try to get someone else to use their score?

Words of encouragement are welcomed.

Matthew08