<prompt> Human: Long story short, I helped him buy a used car 4 years ago on a 56m loan for 7700 163m payments. He made the payments on time religiously for 4 years and 4 months 47 months 2 i just paid, i went and counted the payments via Credit Karma and it came out to 47 months not 4 years and 4 months.Then we had a falling out 2 months ago over nothing, but he refuses to talk to me and decided to say fuck it and stopped making the payments on the loan. He doesnt answer his phone when I call or text and after he moved out of my house he never gave me his updated address so I have no idea where he lives. So naturally the bank calls me letting me know its 2 months over due. I paid it up to date on the spot. There is 1600 left on the loan which Im going to pay off fairly quickly should he still continue to not answer my communication attempts to reach him over this. He was 2 months behind on the loan and I asked if this would be reported as 2 months late on my credit report and they said yes it would have one hit of 30-60 days late. Is there anyway I can get that reduced or am I screwed on that? I wouldve paid the damn loan payments on time had I known he would just stop paying on it. Kind of feel likes its a bit unfair that Im getting hit with a late payment alert on my credit report when they didnt even try and contact me until yesterday about it. Any advice? Edit: people seem to think Im trying to get out of paying the loan. Thats not the case, I understand the responsibility that Im required to pay for it if my brother doesnt make the payments. I was asking if there was anyway to avoid this negatively affecting my credit history. BIG UPDATE: the loan officer called me back and said he talked to his bosses and they decided not to push out a late payment alert on my credit since I paid it up to date the moment I was notified that it was behind on the payments. So thats is a huge relief! Still have to figure out if my brother will make payments on it going forward, but at least my credit wont be negatively affected. Assistant: 7700 over 56 monthsNot only paid for 52 months, but paid extra most months1600 left on the loan? What was the goddamn interest rate?Human: Like 4.8 if I remember correctly.Here is the credit karma screen shot. 1770 is the balance before I paid two months worth of payments yesterday on it, so Im guessing the balance is at most 1600 Screenshot  <response>: That sounds right.16356773114.5 1.037602720621013Youve paid an effective APR of 3.76. 