My credit file says I have 72 late payments. All in a matter of 6 months back in 2004. Now its almost 3 years ago and I haven't missed a payment since then. My balances are relatively low (utilization around 45%, will improve on that soon). Now my credit scores are around 600 - 624 on all 3. No bankrupcies, and 1 charge off, all collections clear. With that many late payments I don't think my score is relative anymore except for a financier to see my track record for the last 3 years and give me a chance. Am I correct in assuming that? Or does my score help any? I know right now it is not very enticing for good rates but I want to buy a car or something just to boost my credit a bit more, instead of credit cards (no collateral, no shot).
Any advice you can give would be deeply appreciated on what I can do further and better.
Thanks.