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Riknme

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My credit dropped several hundred points after I had a heartattack without insurance

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I'm sorry about your heart attack and glad that you are recovering.   The key to good credit management is a back up plan when one is incapactitated.  Credit management continues day to day, even when you are not able to.   For today, you'll need to work with creditors for what you can do and how they can help.  Some will, many will not.   In the future and for all other users, have someone you can trust with a power of attorney and total access to your accounts.  At the onset of a problem, contact the creditor to see if they'll place a temporary hold on your account, suspend payments or if you have insurance plans on the debts, begin the process early of applying any benefits you may have.  (Some cards have benefits that if you are incapacitated, they suspend payments or even make the minimum payment for you.  Absent any of this, you could file with the bureau to add notes about the medical to negative comments and move forward to restoring the accounts to a positive standing and let time take care of the others.   Closed accoounts with late payment standings will stay on your account for 7 years.   Usually, but not guaranteed, an open account is viewed for payment status for the current two years.   While the negative remark about the late payments will be on the account, current activity has accountable for credit purposes.  It shows how you proceed from the bump in the road.

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