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In November as I was paying all my bills, I apparently missed one. My CreditOne (yeah, I know- a horrible card!!) card. I made the payment as soon as I realized it, but unfortunately ended up with a 30-day late.
Fast forward to December. I got sick and ended up not paying 3 bills- CreditOne AGAIN, Capital One, and my car payment- Nissan Motor Acceptance. Paid them in January, but they'd hit the 30-day late payment mark.
So now...with 4 30-day lates on my report, 2 of those being on the same card account, my score actualy took a pretty significant tank. Stupid, stupid, I know....
Any ideas on how to...and how long to...bounce back from this mess??
Hello.
You could always send goodwill letters explaining what went on with you, and if you've had a history of good payment, they may readjust it for you. But you'll never know until you try!
Goodluck!
Your only shot is GW letters as already suggested. Good luck
Thanks to the both of you- I will look into doing that!