This is a useful article, and it seems that I lost some credit score points last few years because I didn't manage to pay 4 times in a row. The bank contacted me regarding my loan with the proposition to reschedule my payments and choose a more comfortable payment method. Now it is all good with my payments. Still, my bank didn't allow me to get a new mortgage loan from them. Did any of you know a reliable method to recover my credit score? I suppose they deny my application because of my credit score.