Hey all,

During Covid, I was rather under employed and had to use credit to help take care if my family. Consequently, I accumulated more debt than I would care to admit. I've been working very hard to pay it off and increase my credit score. I developed recently pneumonia missed a payment and was flagged as deliquent, which dropped my credit score about 55 points. I have read about good will adjustments and wanted to know how viable that is or if you have any advice on how to obtain a good will adjustment.

I've never missed a payment before in my entire adult life. When I saw that my account was flagged as delequent, I paid the outstanding amount as well as the next month's payment. I also set up automatic payments, which I mistakenly thought I had done already with this account.

Is there any chance th le credit unions will mercifully recognize that I've never had a delequent payment in my entire life and forgive that derogatory mark? A drop of 55 points and a 7.5 year black mark just seems so excessive for a one-time mistake in an otherwise flawless record of payment.

Thank you!