<prompt> Human: I was unaware after I paid my Bank of America account off that there was 1 left. 4 months later I paid the dollar off, but my credit score dipped 150 points. Im very aware Im responsible for paying that dollar, but is this normal over such a small amount?  <response>: Your credit score doesnt care that the debt was 1. The score cares that you were delinquent on the debt for 4 months. Id try to see if you can get someone on the BofA side to get that off your report. It might take escalating it a few times to get someone who even has the capability to do so though. 