Recently graduated undergrad: How badly did I ruin my career?

I interned at a BB this summer and received a full-time ABL credit risk analyst offer at a BB in one of their regional offices near LA (didn't really want to relocate). However, recently, I received a full-time credit analyst offer from a big 3 credit rating agency in NYC.

The Credit rating agency role pays a bit more, is located in NYC (which is where I live), generally has better exit opportunities (from what I've heard), and is more interesting to me. However, to accept the credit rating offer, I needed to renege on the BB first. The issue was that the credit rating agency would not extend me an official offer letter until after background checks where they would have to call the BB (since it's on my resume).

Given the renege risks and also the fact that I would not be able to receive the official offer from the credit agency until after background checks (was worried that I may not receive the official offer letter and then the BB would know), I decided to stick with the original BB offer and reject the credit agency offer.

My goal was to move into AM, ER, or Credit Research, and I know that credit rating agency offer would probably have positioned me better for these opportunities plus being close to home and making more money.

How badly did I ruin my career? Do you guys consider this a pretty significant setback or a minor setback that I could recover from and still achieve my goals of moving into my ideal roles?

I'm extremely stressed and concerned about this decision as I know that my first job out of college is quite important.

Thanks so much in advance.