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pretty70

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i was late on car payment, due to accident,score dropped 30 points, how do i get that score back up

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Top Contributor
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Time.. Don't be late again...

Late pays stay on your report for 7 years.  

The longer in the past, the less they affect your score.  So Time is the only solution.  

If this is a rare occasion then it will have less of an effect and your score should bounce back after a couple of monhs of on time payments.    But you don't want to let it happen again,  I believe most credit algeritiums allow for for 1 late pay a year with out a long term hit to your score.

Good luck  

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