<prompt> Human: Ive been paying my CC bills on time regularly and I had a credit score of 810. I just found out I had 40 overdue by 40 days. A lot of stuff has been happening in my life and it slipped my mind. Now my credit score has dropped to 740. Is there a way to raise it back to 800 soon and have the overdue amount written off the report ?  <response>: Call and ask them nicely to remove it. This worked for me when I was in a similar situation. 