That old credit union manager in Omaha who showed me my first credit report back in 2004
She pulled out a paper printout from a dot matrix printer, circled the one late payment on my student loan, and said in this calm voice, 'This little scar will fade faster than you think, just give it 7 years of good habits,' and I still think about her patience every time I check my score now, has anyone else had a banker or lender give them advice that actually stuck?