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This happened to me, unfortunally you are SOL.
Next time scratch lighter, your lucky it wasn't more points, also if you have a credit card on your XBL account, you can just buy points. Go to ADD MS Points on a download screen (where you confirm the download) and you can buy 1000-8000 points (not 100% sure on the amount of points but I know you can do it) If you do it this way you don't have to worry about scratching off the digits, they're automagically added to your account.
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in graver mistakes, dear mom and dad, i write you in this letter that states, i'll be moving on, when the new days begun forget your son when he's out on his own.
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