History changes.

[Law321]

I was out of work near the end of 2012 and it caised me to go 60 days late on my car payment and 60 on a cc. The cc was closed, luckily the car not reposessed. Anything I can do to make the delinquecys not look as bad on my report?

[LearningMoreAboutCredit]

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@Law321 wrote:

I was out of work near the end of 2012 and it caised me to go 60 days late on my car payment and 60 on a cc. The cc was closed, luckily the car not reposessed. Anything I can do to make the delinquecys not look as bad on my report?

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With your activity being so recent, only time and on-time payment history from this point will heal your reports.  Sorry.

[09Lexie]

Welcome to the forum.  You can write GW letters to the creditors -see examples in the sticky - but as LearningMoreAboutCredit mentioned, time and positive payments will help. 

Good luck