<prompt> Human: I have a Wells Fargo credit card that I thought was automatically paid off from a linked savings account. I missed the payment and my credit dropped 40 points. I immediately paid it off when I got the email. Is there a way to fight this to get it reversed? We are trying to buy a house and my median credit score is now 650.  <response>: How many days were you late? It usually doesnt report until you are more than 30 days late. 