<prompt> Human: I never use this credit card, I used it for a business that has since been closed. As such, I have had 0 payments on it for over a year. Half a year ago, I went to pick up something for the house and Lowes was declining my debit card for some reason, so I used my old business card without much thought. Unfortunately, it turns out that I didnt have auto-pay on it, and I didnt notice the balance until about three months later. I paid the very small 5 payment on it, and set up auto-pay to prevent it from happening in the future.Unfortunately, when I pulled my credit score yesterday, its dropped about 100 points to a 610. I have 1 credit utilization, and my only late payment EVER was this 5 payment in question. From my research it seems that there isnt much I can do to remove this blemish besides sending a goodwill letter and hoping for the best which Im not holding my breath for, as my account with that card is only a few years old. My question is, would my credit score improve if I started making consistent payments on that card? Would the missed payment become relatively less significant if I did so?Very frustrated with myself because I planned on getting into credit card churning soon, and a 610 credit score isnt a great place to start from. Any advice would be appreciated!  <response>: Call and ask for a goodwill removal. Creditors can be surprisingly reasonable. 