really serious.
Pay Down Any Open Balances You Can to Less Than 10-20%
Is there a credit card that you use most? Do you ask for an extension for your car note almost every month?
Stop and figure out a plan.
If you have a high balance on your credit card, make bigger payments to get your utilization down to 10-20%. Figure out the date that your credit card reports to the credit bureaus every month and be sure to pay down your credit card to below 20%. This will help keep your credit score in good shape.
Remove a Recent Late Payment
Removing a late payment will take persistence. There are a couple of ways to