Thanks for the responses 
and the 30 day late was in August of this year so just a few months ago. And I am 100% positive it was my EQ. But even if it was auto enhanced should it be that low from one late payment. ? and I am working at it everyday, I am trying to be patient but winter is fast approaching Chicago and my heat sucks and my traction. Those things could be fixed but will cost. The sheet that the dealer had had some kind of bar chart on it. I shouldve asked for a copy -__- I know at the top it stated Reporting Agency = EQ then Score = 498. I am wondering if selling my car on my own first and paying off the loan will help my score but then I will have nothing but a closed CC account.
