Why does my credit score keep dropping even though I've been paying my bills on time?

I can totally understand why you're frustrated - it's tough to see your credit score dropping despite your best efforts to pay your bills on time. I think there could be a few reasons why this is happening, and one possibility is that the missed payment from a while back is still affecting your score. Even though you've been paying extra to get back on track, it can take some time for your credit score to recover from a missed payment.

Another thing to consider is that credit utilization ratio is just one factor that affects your credit score - there are other things like credit age, credit mix, and new inquiries that can also impact your score. It's possible that one of these other factors is causing your score to drop, even if your payment history and credit utilization are looking good. I'd suggest taking a closer look at your credit report to see if there are any other issues that might be contributing to the problem.

I'd also recommend checking to see if there are any errors on your credit report that could be dragging down your score. Sometimes mistakes can happen, and it's possible that there's an incorrect late payment or something else on your report that's causing the problem. If you do find any errors, you can dispute them with the credit bureau and get them corrected, which should help your score improve over time.

Anyway, I hope this helps, and I'm sure you'll be able to get your credit score back on track with a bit of patience and persistence. Keep paying your bills on time, monitor your credit report, and don't hesitate to reach out if you have any more questions or need further guidance - good luck with getting your credit score sorted out!