I had a credit card that I rarely used a year ago. I don't remember exactly what circumstance came up to where I used it one day, but I did, to buy something for $36.
Most of my bills are set to auto-pay, so I generally don't pay much attention to mailed statements and must have ignored the bill for this card for a couple months. Finally, I did see a bill, swore at myself for letting it go, and paid the balance including fees for $160.
Just today I checked my credit, and I noticed that it's fallen 130 points - entirely because of this. Is there anything I can do to repair my credit? I made a mistake on one small bill - will this ruin a decade of not missing a payment? Is this something I can dispute, even though the fault is mine?
Followup: Three weeks later, I checked my score, and was so happy to see this. Thanks, guys.