I have worked at my job for 4 years and have been very stable. Recently, the company I work for started laying ppl off. Unfortunately, I was one of them. I just took out my first credit card a few months ago, vowing to handle it the right way. after the lay off, i didn't pay the bill b/c i was making sure I had rent money for the next month if i hadn't found a job yet. Well, I did find a job and everything is pretty much back to normal. BUT...i now have a late payment on my credit report. It was accurate, meaning I did personally cause this debt--so i cant dispute it. so, is there any way I can get them to take it off because of exceptional circumstances? It's with chase, and Ive heard they don't budge. any tips? b sorry so long.