<prompt> Human: Keeping it brief and precise. Upon inquiry I found out that Ive made late payment of one month for some stupid sweater or shoes from Bloomingdales and two late payments for a TV I bought after Best Buy salesman fucked me over. Now Id appreciate suggestions on:Can I fix this? If yes, How? Thanks Assistant: Sounds like youre missed payments are valid. Live and learn and set up auto pay. Human: This is not answering any part of my question.  <response>: This is not answering any part of my question.Actually...Live and learn and set up auto pay.is your answer.You made late payments which got reported, correctly causing your credit score to drop.Nothing you can do about that, BUT you can learn from your previous mistakes and ensure that you never make a late payment again by using auto pay. 