I had 60 day late payment of 35 bucks in Jan. It was new Amex Hilton card I opened for stupid points. It was reported and my credit score had been consistently dropping from last 6 months. It was 780 and now is 735. I realized this 3 months and been paying my credit card bills immediately. Infact I have overpaid each card to have negative balance so my credit utilization is almost zero. What else I can do to repair the damage. I am applying for homeloan and this is big issue to get best rate

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Call the credit card company and get them to remove the last two late fees. That may remove the late payment from report for those months

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That sucks, but 735 should get you close to the best rate rn anyway.

Goodwill letter. Google it

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