<prompt> Human: So a little backstory to this negligence, I was a frequent Target shopper and had a redcard that I would use for purchases then pay off almost immediately for the 5 discount. About 8 months ago I moved to a small town in a new state where a Target didnt exist within 200 miles. So I stopped using that card, and even took it out of my wallet. Which then led to me forgetting its very existence. Today I just got about 6 letters from them in the mail detailing the payments that I hadnt been making. I had forwarded my former address to here but thats obviously not a perfect system and a lot of my mail had clearly been held up. Additionally, I had flagged the Target e-newsletters as spam since I didnt really need to see them anymore, which caused the messages regarding the credit card to go to my spam folder as well. Upon getting the mail I hastily went to the online portal and paid the card of completely there was only about 150 remaining balance, most of which was late fees. I then checked my credit score and saw that this delinquency has utterly trashed it. Are there any steps I can take to try and recover or do I just need to wait and not make this fuck-up again?tl;dr: moved to new state, forgot about Target credit card and missed about 6 months worth of payments which trashed my once alright credit score. How can I recover?  <response>: If its a single 30D late, here is the FICO penalty on average over 7 years reporting:Basically it will hurt a lot until 24 months old.I would suggest contacting Target EO and asking for them to remove the late as you are a good responsible customer and just had the dates set up wrong. 