<prompt> Human: OK, so heres the abridged version. My girlfriend was 30 days late on a 4.80 Kohls card balance. Just a complete oversight; she completely forgot she bought anything at Kohls.Kohls reported it as 30 days late payment and it now shows up at all 3 bureaus as a late payment. Obviously shes panicked because we were planning on getting a house 12 months from today after the wedding.She frantically calls Kohls telling them she paid it as soon as she saw it was late. She speaks to the manager to close the credit card. Then she tells me later what has transpired.I told her that we would have had more leverage by calling and saying look, sorry about that 4. can you take back the credit report? im such a good customer, look! we cant do that anymore because the account is closed. After telling her this she tried to have the account re-instated, but couldnt. shed have to reapply for a new card. she even had a hard time talking to service because service shood her off to new accounts because she wasnt a valid customer.What should I do now? Should I keep calling back and beg? Should I beg by offering to reopen a new line if its removed? Should I write a strongly worded letter to Kohls explaining the situation?I just feel that we dont have any leverage because the account is closed. Why would they cut a customer a break if theres nothing to gain from it? Its not we can threaten to close the card if its not removed anymore. Please help!!TL;DR : GF was late on payment. Got reported to credit. Called up, paid in full and immediately cancelled the card without asking to get the credit report hit removed.  <response>: If the rest of your finances are in order and you have otherwise repaid bills promptly, I doubt this will be a huge issue. Dont make her feel guilty over this. 