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Banditroadkill

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Over 30 days one time on car payment...score dropped 85 points?? Is that correct??

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If you are saying that you got a thirty day late on your credit reports then yes it does drop scores big time. You may want to check your FICO scores to see how they were affected. Do some reading on how to write a "Goodwill Letter" to the lender and make absolutely sure that you pay all your bills on time in the future as you definitely do not want any more late payments on your credit.

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Me too

I have one later payment out of 33. This then drops me to 97%. This math is insane. If I had 33 on time payments it would be 100%. How are there then 98 and 99 % on time? This doesnt add up. 

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