I have never been late on a credit card payment, pay the balances off every month. Somehow, my Kohl's charge was changed to "paperless" and we never received a mailed bill last month. I called and they waived the late fee, I paid off the current balance in full and they changed it back to mailing the bills out. I got an "alert" about my credit card rating. It went down 100 points because of this. Is there anyway I can get this negative late payment off my credit report? Can Kohl's help with this. I looked back and don't even see where they sent me an email about the payment that was late.