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Sp1225

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forgot to pay bill. paid to make it current.how long will it take to get back it went down 77 points

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Top Contributor
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The best thing that you can do is to make your payments on time for a year or so and start sending the creditor "Goodwill letters" asking for them to delete the late or missed payment from your reports. You could start sending letters sooner if you wish, but it would be better to do so once you have shown them that you are a responsible person. Make sure that you do not miss any more payments on anything, don't be late either. The effects from this will last a long time, but the damage will diminish as the negative mark ages. The missed/late payment will remain on your credit reports for 7 years unless you can get it removed via a "Goodwill request". The affect it has on your scores will not stay the same though, the damage will be diminished as time goes on (you won't have a 77pt deduction for the entire 7 years). Do some research on "Goodwill Letters" "Goodwill Requests to lenders".

Top Contributor
1793 Contributions
3030 People Helped

Best thing you can do is Call the company up now if it happened with in the last 30 to 90 days.   
Say it was an over sight on your part and ask to have the late fee removed with the late payment.

If this is the only late payment you have with them your chances are good.   If you have past late payments then don't even try it.

Good Luck

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