Oh, no!! Late payments!! :(

[bmblbg]

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??

[Whitneyy]

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!

[gdale6]

Your only shot is GW letters as already suggested. Good luck

[bmblbg]

Thanks to the both of you- I will look into doing that!