I'm no expert on this, but I think that if you can manage it, avoiding 60-day lates would be huge. According to the gurus in the scoring forum, 30-day lates are easier to shake. Also keep in mind that once you're actually able to pay, your utilization will be better, and the revolving portion of your score will improve.
Avoid 60-day late first of all. Try to borrow from parents/friends/family, at least the minimum payment amount and then think of backup
I guess I should clarify that there is no way I can pay the minimum balances before they hit 60 days late. I will be able to pay them before they hit 90. Thanks for the advice everyone, I guess there is no bouncing back from this any time soon.
Nearer the time you plan to go for a mortgage, make sure you get your mortgage scores. The 60 day late will certainly hurt the score, but depending on other factors, that may not force you into a bad rate.
Are you certain you could catch up next month?
If you are absolutely certain of that, you COULD (assuming you have at least enough available credit on each card) make a balance transfer in the amount of the mimimum payment from one card to another, and back again. The recieving card always (in my experience) processes such money as a payment.
You would pay a fee, of course, but if you can catch up next month, a 2 or 3% fee is a small price to pay to avoid a 60 day late.
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Current FICO 8 Scores: EQ: 735 | TU: 741 | EX: 733
Contact the credit card companies and request some form of temporary hardhip deferral.
Dont simply let them go or remain delinquent. Advise the creditors and request some form of temporary reduction in payments or deferral.