You're preachin' to the choir there Adam. If I had a nickel for every time I explained to someone that yes, you made a payment this month, but it was the one that was due two months ago, I'd be a rich man. When a payment is missed it doesn't just go away, it becomes 30 days past due. When you make your next payment, it goes towards the oldest payment due. Some people just don't get this and are destroying their credit.