I was unemployed for 4 months. I had payment protection on my cards, but I thought that I could only use those for Involuntary unemployment. Mine was voluntary because I was moving out of state. (yea I should have asked anyway, ugh) During those 4 months, I did make partial payments, but my credit cards reported as late. I'm finally starting to get back on track and I am wondering how soon can I ask to get the late payments removed? My score tanked because of this and I'm getting married next year so I need to fix this asap. Also, one account closed (Chase) due to this, yet I have made payment arrangements and it still shows active on my bank account, if the account is noted as 'Closed by credit grantor' how much does that hurt my credit report? Thanks