I signed up for a line of credit through a store, and ended up being approved. What I didn't know was there was a fee associated with opening up the card which was charged to the card.

After 3 months I had a change on my credit report citing a delinquent account. I called the creditor and told them they had not sent me any notification of owing money and that I took a huge hit on my credit. The creditor acknowledged they had been sending the bill to the wrong address but did not rescind the hit on my credit.

I am 22 and had perfect payment history which has now been tarnished. I got my first Credit Card at 18, so I have 4, going on 5 years of perfect on time payments before this event. I dropped from a 760 credit score to a 650. How can I go about getting this resolved since I was not notified of the payment being owed.