In December 2019, Seattle-based copywriter Brittany Brown was in “a rough financial situation.” She was several months behind on rent and unable to make a $25 minimum payment toward the $2,000 maxed-out balance on her credit card.
“I had intended to ask someone if I could borrow the $25, but with the holidays and chaos of the month, I forgot to ask in time and it went on my credit report as a missed payment,” said Brown. “I still remember that gut wrenching feeling. This missed payment has haunted me so much.”
