<prompt> Human: I received a notification on my credit monitoring app that my annual fee had come around for my Line of Credit account. I paid it immediately then went about my business. I just was notified that my credit score went down 76 points because of a missed payment reported by that credit union who I paid the annual fee to. I call them up and they tell me its because of 20 CENTS that was reported past due. Cmon...seriously? Im stationed in South Korea, so they cant call me to notify me, but they claim I was emailed about being past due. I saw no such email. The only thing I received from them is just the monthly statement emails. So thats it. 76 point hit to my credit score over 20 cents. I paid it just now, but how do I go about disputing that red mark on my credit history? I think this is complete bullshit. Sorry for the rant. Thanks all!Assistant: Theres nothing to dispute if its accurate. Disputing is for removing inaccurate information from your credit report.Human: Its accurate I suppose...So I seriously have to live with a blemish on my perfect credit history over 20 cents? Nothing I can do about it?  <response>: Contact the credit union and work something out. Be nice, be honest, own the error and see if they can help you out in resolving your error. No place for egos right now, just get it done 