<prompt> Human: So I had a score of 581, and was looking to get it above 600 ASAP for my mortgage refinance and saw the easiest way to do so was to pay off my credit cards which all had high balances. I did so on October 26th, pulling out of my savings and paying off over 5K, including one from Credit One Bank for 900 I know- they suck.Today I got an e-mail saying that my credit score dropped 31 pts. because my Credit One account is reporting Im over 30 days late! I WAS late, but called them BEFORE I was late, made an arrangement to pay in FULL two days after the due date. They said yes, no problem. I am so pissed! I dont know what to do, and I cant file a dispute via Credit Karma because I have one already filed for a past due medical bill that was reported twice. Is there anything else I can do? Credit One is a nightmare and I hate myself for ever opening an account with them.  <response>: Is there anything else I can do?Not make late payments anymore. Also, it will take about a month or so for your new, lower level of utilization to reflect in your credit score.Credit One is a nightmareYes they are, theyre a predatory lender. Once you go through with the mortgage refinance, you should close this card. 