This is a letter that I faxed to XXXX XXXX 10 days ago and I received no answer. 
Dear Sir, Madam, I got your fax number from a nice lady that I talked to when I contacted XXXX. 
My name is XXXX XXXX XXXX and I have a XXXX credit card, that I use very rarely. ( acct. number : XXXX ) However, I used it a few months ago and went for a vacation to XXXX to take care of my sick mother and later I went for vacation with my kids. Therefore what happened to me is really my fault, but I would like to ask you for reconsideration of my case. 
I did not pay my bill for 2 months. The balance was about {$80.00}. 
Being on vacation, I missed your statements ( in the pile of my mail it was n't difficult, and also, I pay all my bills electronically, so I might have missed a paper statement ) My balance came to my attention after an agent from your bank ( XXXX XXXX ) called me ( XX/XX/XXXX or XX/XX/XXXX, ca n't recall exactly when ). I paid my balance promptly over the phone. 
Last week I got my credit score to my bank and I noticed, that it went XXXX points down, from excellent, to barely good. I know, that this is going to be on my record for 7 years. 
I would like to bring to your attention, that I 've been working on my credit history for all my life ( I am XXXX years old, divorced mother of XXXX ), successfully paid for my college, mortgage, various car loans, credit cards, all my household and phone bills and I almost never missed payments. My loans were often very high and I managed to stay in the excellent credit range. 
I would like you to reconsider your decision to report my mistake ( of not paying {$80.00} ) to credit bureau and essentially wiping out years of my excellent financial standing for under {$100.00}, 2 cycle missed payments, that was promptly paid after the phone call. 
Please let me know if there is anything you can do about my case and please advise what should be my next steps if there is nothing that you can do at your end. I would like to avoid the consumer agency complaint. 
Thank you so much, Best regards,