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oh my god jerry ive been working so hard on my credit and i made a mistake and i missed a payment on my credit card and my scores dropped a hundred points i am so upset what do i do no worries girl i got you a lot of people dont know this but you can actually give the credit card company a call and ask them for a goodwill adjustment now a goodwill adjustment is essentially a reversal of the late payment now this doesnt work all the time especially if you pay your credit card bills like consistently but if you pay your credit card bills consistently on time then in most cases they will give you a goodwill adjustment and youll be able to get your points back