It's almost like you made a bad decision, then you practised poor discipline, and something bad happened as a result.
Actually, I have a similar problem constantly. I never update my contact information, and I live in London now, so I'm actually a pain to reach. I recently **defaulted** on a credit card. I owed $20. The bank paid the $20 but my credit rating probably got demolished. This type of thing would happen to me all the time, so I barely ever use credit cards. I paid my student loan years before I needed to, so I wouldn't risk this happening. I just don't trust myself to stay organised and remember shit.
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