<prompt> Human: So, a long story short I was late on payments 3 times. 3 Different credit cards about 14 months ago December 2013.and now its killing my credit..Other credit factors:about 10 credit cards total with 3 utilizationcredit history about 4 years...I tried to contact credit cards companies and ask them for a 1 time forgiveness for those late payments but they wont do it..What can i do?  <response>: You can do nothing. Your credit report accurately reflects that you did not meet your financial commitments. 