I had forgot to pay my auto loan back in January and realized to pay on the 30 day past due!!! Now it's on my credit report showing late. The last 30 day late was almost 2 years ago. I'm so bummed! I didn't see any score dropped because I have an old collection fell off. How much is this hurting my score? The car will be paid off in a few months. Has anyone had any luck GW with Chase auto? I was hoping to get a house by Christmas! Now my dream of crushed!