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The speaker is upset after missing a credit card payment, which caused their credit score to drop by 100 points. They seek advice from a friend, who suggests contacting the credit card company to request a goodwill adjustment. This adjustment can reverse the late payment, but it's more likely to succeed if the cardholder has a history of on-time payments. If the individual consistently pays their bills on time, there's a good chance the goodwill adjustment will be granted, helping them recover their lost credit points.