Credit report frustration
In June I paid off my Macy's charge balance like always. I ended up getting hit with a $2.00 finance charge. Because I paid off my balance and whatever, I didn't bother checking my statement when it came. Unfortunately, I ended up realizing it after 30 days had elapsed and they put a missed payment on my credit report. I am devastated that my credit score dropped nearly 90 points because of $2.00. I went from a 713 to 627. I've read online about doing goodwill letters and asking them to remove it, but people complain they are really strict and don't generally do it.
I've certainly learned my lesson to not be so lackadaisical. Is there anything else I can do about this? It's making me sick.