I have been a Kohl's customer for many years and never had a late payment. I had to go out of town to work in October, and instead of going online and paying my bill I just mailed it in. It apparently never made it to Kohl's. When I got home I found a bill for the late payment on it. I panicked and called them immediately and they told me there was no problem that they were not going to report it to the credit bureau. I paid it been in there and was told everything was fine. I checked my credit the other day and my credit score dropped 100 points. I had to go into the credit agency and find out why. They did report me after saying they hadn't. I've been a good customer I've always been reliable and I am not responsible for a lost check. I did everything I could to fix the problem as soon as I got home. I think they could've had a little more patience the payment was only two weeks late. I will not shop with them ever again unless they reverse this ding on my credit.