URGENT : Account marked as delinquent

[Tattva]

Hi All,

I previously had very good credit history ( score > 750 ) while I was in USA and as I had plans to go back , I decided to keep one of my long standing credit cards open. Once I was back in India I got swamped with work and forgot to make payments ( 15$ * 4 = 60$ ) for close to 4 months which lead to account getting marked "delinquent".

As soon as I realized this , I talked to the credit card customer service Manager and requested him to pull back the details which he declined. Please help if there is a way for me to get this monkey off my back as I fear my plans of buying a home in USA will never materialize due to this.

My current credit score has dropped to ( 657 )

Any advice is much appreciated.

[immihelp]

I suggest that you pay off the balance immediately and bring the account back to up to date.

That is the best you can do.

Damage to your credit is already done. You can only improve it over time. There is no way to undo that.