<prompt> Human: As the title states, my credit score dropped 95 points. I was well into the 700s, with all payment history perfect since 2012 when I rebounded out of a hole that bottomed out in the mid 400s in 2010 and began fixing my credit. Since middle of 2012, I hadnt missed a single payment on any account, paid off some accounts ahead of schedule car loans, raised my credit limits due to increasing credit score etc.I apparently missed e-mails from Kohls stating that I had a payment due. I didnt realize I even still had a balance there. I then found an e-mail that said my account was 30 days late. I went online, paid off the balance in full that same day. I then go to the Apple store today to buy a new phone and get denied financing on an iPhone X on Experians recommendation. Experian shows that the only knock against me in almost 6 years is that Kohls credit card. I went from being able to finance and borrow as I pleased to being treated like a credit criminal in a matter of weeks.Is there anything I can do? I already contacted Kohls to see if they could put my account back in good standing. Their credit cards are managed by Capital One, which also happens to be one of my credit cards I use and has a perfect payment history so Im hoping theyll reference that and give me a break but to be honest, I dont know how this process works. If any additional info is needed, let me know!I just want my credit back, it has cost me thousands over the last 6-7 years to get it back from the 400s. :Thanks!  <response>: Late payments have the highest impact right away, over time itll be worth less points. You can ask the bank to remove the credit mark, but I wouldnt hold my breath, you were late and they have little interest in lying to the reporting agency they rely on to determine creditworthiness. 