<prompt> Human: Hey there personal finance,About 18 months ago, my mom helped me out by consigning an auto loan for me. At the time I had a great job and was making plenty of money. As the story goes, life happened, the company I was working for fell apart, and I was struggling to make my payments while searching for a new job. I will be caught up on my payments this month, but the past 5 months were paid late approx 30 days and are hurting both of our credit scores. What is the best way to go about seeking some relief from the late payments? Credit repair companies? Appealing directly to the lender Toyotas in-house financing? Any guidance would be appreciated. She had perfect credit before and is now suffering from my mistakes, which I feel fucking terrible about. Thanks.  <response>: Credit reports are supposed to reflect only true and accurate information. The lates are legitimate, therefore they can and will be reported.Co-signers are equally on the hook for any and all credit they help a primary borrower get.Other than just time and a perfect payment history going forward, you might be able to get the creditor to delete the lates with a goodwill letter but they dont have to remove something that is accurate. 