<prompt> Human: I have a credit card that i forgot to pay for 2 months, totally slipped my mind. Well the lender sent me a letter saying they dropped my credit line down to half of what was originally available to me, and it would affect my credit score. Sure enough i went from 780 to 666. My question is, can this be reversed? Will this haunt my credit score for years to come? And why such a drastic dip on an otherwise good credit score??  <response>: They can remove the marks, but I wouldnt say they are likely to do so. Simply forgetting to pay is a big deal. To let it happen twice is almost certainly going to have a long-term impact on your credit score. After all, the credit score exists to tell other lenders, Hey, OP might not pay hisher bills on time, or ever. 