<prompt> Human: I purchased work things on a retail credit account to get a significant discount. When the bill came due, I paid it once, but it wouldnt process even though I had plenty of money in my account. I verified my bank information and tried to process the payment a second time. It still wouldnt go through, and I fell behind.At this point, I end up paying in store. The next day, I get a call from the retailers credit department telling me Im behind. I inform her about the situation and try to figure out what went wrong. Come to find out, because I didnt include the multiple zeros that precede my unique account number, they couldnt process it. This caught me off guard because I pay over 10 accounts utility, credit, etc using only the unique number without the preceding zeros and have never had a problem.As of yesterday, Credit Karma showed a 75 point drop. I got pretty sick to my stomach. Is it possible the finance department will work with me to get this removed? The person I spoke with immediately recognized the problem when I told her what type of financial institution I use and said she would leave notes on my account. Any tipsexperiences with this sort of situation?  <response>: How late was the payment? Late payments only appear on your credit report if theyre 30 days or more overdue. 