Okay, so, long story short is I fucked up my credit when I first got a credit card. Never got into debt, just for about, oh, six months out of the first year I had it I made late payments of 30+ days. ANYWAYS, I'm fantastic at payments now that I get it, and keep an incredibly low balance and all that. But all those late payments are going to stay on there for seven whole years! Any way I can drastically increase that score? Can't get a new car, so car payments are out of the question. Students loans are no good either. Would doing well with another credit card help?