<prompt> Human: Well I feel like an idiot. I got an alert from Experian this morning saying that my credit score dropped to from 815 to 720. I was completely taken by surprise by this as both my wife and I have both been fortunate enough to have credit scores over 800 for years. After immediately digging through my credit report, I found that there was a late payment from Toyota Financial. We have two auto loans with them. A few months ago, we rearranged some of our banking and ultimately stopped the automatic payment for one of our vehicles so we could start paying from a different checking account. This was all done online and somehow, and i dont have an answer as to why the automatic payment for this car was not restarted on the new checking account so the account quietly went unpaid for 2 months. Ultimately, I assume it was either an oversight on my part, or simple user error like perhaps I didnt click submit when setting up the new auto pay. Do I have any options to recover from this? How long does a penalty like this last? We were hoping to start looking for a home to buy this year and now with a lower credit score, that seems unfeasible. Weve financed numerous cars over the last 20 years with Toyota and never have had a single late payment. Should I talk with Toyota? Is there any kind of forgiveness for an oversight like this? And yes, I realize I should have noticed that our car payment hadnt done through in over to months. Lesson learned to not be so careless with bills that are on auto pay. Thanks  <response>: Toyota financial has a shitty website, but in the last year theyve been trying to improve it. Call them, theyll take the blame. 