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New Member
posted Mar 24, 2019 6:58:45 PM

Payment History

Hi everyone,
So I've had perfect payment history on my car payment, up until I missed one payment due to a miscommunication. My payment history went from 100% to 96% and really effected my credit score. I paid the one late payment, and I've been on time with all other payments since then. Will my payment history ever go back to 100%? Thanks.

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2 Replies
Level 1
Apr 25, 2019 11:08:42 AM

Unfortunately it can't get back to a 100%. There will always be that one payment so the math is against you. It  can get to 99.9999% eventually. Just be sure to make all of the rest of them on time and this one missed payment won't affect you to much.

New Member
Nov 3, 2019 6:21:45 AM

Can I call the creditor yo remove late payments from 2 years ago??