<prompt> Human: When I first checked my credit a few years ago when I started college and it was 620s with negative things from my dad on it same name. I immediately disputed everything with no problems and essentially began to build my credit from scratch. I first did a secured loan for 500 from my credit union and paid 50mo which actually just finished. When my credit began to build I applied for a 500 limit credit card from my credit union which I turned into a 2000 limit card after I completed college and started my career proof of income helped raise the limit. I have been paying my credit card off 100 every single month since I got the thing in college and my credit has been going in the right direction and I was climbing into the high 730s. A few months ago I stupidly one month just forgot to pay my bill and my credit plummeted to the high 500s and low 600s. I called my credit union and they said there was nothing they could do as this was already on my credit. I felt like all my hard work and actually caring about this went to the wind and left me high and dry. Is there anything I can do about this? I have only a couple thousand in student loans and make around 75-85kyear. I have one credit card with a 2000 limit and about 35k in my savings. Where can I go from here?I cant seem to post pics of screenshots on this sub but where I stand now on credit karma is as follows- TransUnion 655. Credit Factors are 6 Credit Card Utilization in green for good, 99 Payment History in green but thats when it dropped my credit, 0 derogatory marks, 3yrs 3mos Age of credit history in red, 6 Total Accounts in red and 6 Hard inquiries in red. All of these inquiries are from last year when I started my house search did not buy yet but now nervous this will affect it. Im confused as to why there would be 6 of these checks when I only found two houses since then that I was interested in. I also doubt that this has a huge impact on my account and isnt the main problem that I am dealing with.If anyone has any suggestions I would greatly appreciate it as I am very disheartened by this change.  <response>: When you only have 1 credit line and you show a late pay then your credit score takes a much bigger hit than if you had 10 credit lines and 1 showed a late pay.x200B;Only time will heal that late pay, in the meantime you might want to consider getting some additional lines of credit. 