I just have a hard time not freaking out over the unknowns.
This will eventually eat you alive. I had some behavioral therapy to deal with that sort of panic that worked pretty well. I don't feel as sick about what may happen tomorrow, next week, or next year and kind of enjoy the serendipitous things that occur to iron things out. Plus I learned how to go through a list in my head, when I started feeling panicky about being a loser with no husband, kids, little in the way of financial planning...
I used to assault my friends with that particular worry, that I was all alone, and owned nothing, and in case of zombie attack, I'm screwed.
I work out the mantra of calm this way: I will never be homeless, I will never be hungry, I will always have a warm bed to sleep in, I don't have to be lonely, I am loved...all the way down to: there's bacon in the fridge, I have enough money to cover at least a month's expenses, my education is paid for, I can jump in my car and go get a pizza whenever I want, Noah and Grace are right here if I want to hug someone who won't tell anyone I was feeling crappy and needed to hug someone...
So you know, credit score will get ironed out. It just will. You're a responsible human being who manages to pay her bills and get out of bed every morning to ensure another human being is fed and comforted and healthy. It's no small thing.
Try and coast on that for exactly fifteen minutes without worrying about anything else in your world.
Then you can worry for five minutes.
It doesn't work for me all the time, but I'm less likely to find myself whipped into a frenzy of panic about shit like, "I WILL NEVER OWN A HOME AT THIS RATE."