<prompt> Human: Ive Had 780 credit score on credit karma for about the past year. Ive never had a late payment or any derogatory remarks on my history. I check it every few months just to see if it goes up, but it basically hovers around there. I Checked yesterday and my score was around a 700 and showing a late payment. I pay off all my balances each month and all my cards are on autopay so this seems odd to me. I start looking around and find out it was some random auto-renewing 6 online membership fee that hit a card that I no longer use. Since I havent used that card in a year, I never really monitor that account. As soon as I see this, I logged in and paid the balance, but it was already 45 days late...Totally my fault for not monitoring more closely, I know that. But my question is this: Is there anything I can do now to help the situation to get my credit score back? I feel like I worked so hard for 10 years to have perfect credit and all that just went out the window over six bucks...  <response>: I landed myself in a similar situation. I missed a payment 2 years ago because I had forgotten about the bill which was only for 15 but paid it when I realized it like 30 days later. Its still on my credit report as my only negative mark. Im actually sending in whats called a goodwill letter to my CC company to ask them to remove the mark from my account. Still waiting to see how it works out but that might be something you could look into. 