<prompt> Human: I was late on my car payment, causing my credit score to drop 150 points, now leaving me around 480. Im devastated, as Im only 20 and have been working hard to establish my credit but have had a load of bad luck these past few months not only financially, but health wise. Prior to this, Ive always made early payments, and more than my minimum. Is there any way they could possibly look past this? I  <response>: You can contact your lender and ask them to not report the late payment. They dont have to agree, but it doesnt hurt to ask. In general though, you need to quit worrying about your credit report and instead focus on good finances. What led to the late payment? How can you prevent it in the future? What steps are you taking to get out of debt, build an emergency fund and be secure in the future? Those are the questions that you actually need to answer. Your credit score will take care of itself. 