My credit score dropped over XXXX points in less than a week due to what is show as a " Serious Delinquency. '' The payment was 9 days late due to a technical issue with online bill pay ( I was sent a physical check made out to XXXX whereas the funds should have been wired ). XXXX refunded the late fee due to the error and reviewed the check yet still the credit agencies deflated my score. The payment was for {$130.00}. It is currently listed as a 30-day serious delinquency