When we hear about missed payments, we usually picture people with shaky credit. But data from VantageScore, published in August and reported by Reuters, tells a different story: 90-day delinquencies among super-prime borrowers jumped 109% compared to last year, while prime borrowers saw a 47% increase.

It’s a warning sign. Even those considered the most reliable are under pressure. With everyday costs staying high and interest rates refusing to budge, more people are starting to slip.

That’s where a little help matters. Credit Mentor AI with Finny keeps an eye on your balances and due dates and gives you a gentle nudge before things get out of hand. Sometimes a single reminder is all it takes to avoid a 30-day mark on your credit history.