hopefully i didnt ruin myself

[Anonymous]

I had an auto loan and I was late a lot at a certain time. I was 120 days behind more than once, 30 days A LOT. I lost my job because I got really sick, and just couldnt pay it. I just paid it off a few weeks ago, and I was wondering when it will look normal again? It says how many times I was late and Im worried when I go to buy a new house, they are gonna look and laugh! I hope you can understand what Im asking. Will it ever disappear? Are they going to see that forever?

[pizzadude]

Each late will be on your credit reports for 7 years from the point that it occurred. Have you tried sending a goodwill letter to the creditor asking if they will remove any of the lates ??

[webhopper]

The good news is that you paid this off and the car didn't get reposessed and leading to a judgement.   The bad news is that these negative marks will remain with you for 7 yrs.   The only thing you can do is ask for a goodwill adjustment, maybe get some of the 120s and 90s reduced to 60s and 30s?  I would call and ask for their credit reporting department.

[payingoffdebt001]

Proud of you for paying it off! 

Try the GW letters - its worth a shot.