The amount of the dropped credit score points depends on the bank and the amount of money you are missing. Suppose you are very worried about your credit score to get a good mortgage. In that case, you will need to address the professional Mortgage Advice Sunderland service that is helping their customers to get the best mortgage offer from the bank. I always approach them if I got any issues with my mortgage or if I am planning to take my next mortgage. They offer the best mortgage conditions for their customer, so be sure you will receive a good mortgage offer.