I'm still confused. Could it be because the cc company closed the account for none payment (because I didn't know I had a payment?)
I know little about how the scores go way up or way down, but my money (or should I say my CS) is on this. I suspect with computer coding, the amount that accidentally wasn't paid isn't the issue. The black box that figures out scores is probably reading "account closed for nonpay" and adjusting from there. I also suspect if you can get the company to change that code, it will help a lot. Let us know what you find out.