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76: Delinquent/derogatory status on reported auto accts is too recent
You have a late auto account on which a lender has reported a derogatory status. Your credit file shows that this event occurred too recently. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended, putting existing credit with lenders at risk.
What you can do:
Paying bills on time every month is important to maintaining a good credit score. If you remain behind with any payments, bring them current as soon as possible, and then make future payments on time. Over time this will have a positive impact on your score.
A HIGHER LEVEL OF CONFIDENCE
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