Answer: -Sometimes you can request to have contact information to the person who makes the loan decisions for the organization. It's tedious and they may ask you to show documentation from the businesses whose loans you paid in full. If you can prove the circumstances and how you continued to pay the loans off, that should tell them something. There are no guarantees however.If they decide to loan you the money you can insist on a decent interest rate. You shouldn't be punished when you followed through.Contact the credit bureaus for a recent credit report. You should do this anyway. As you have been turned down in the past for a loan, the report is free to you. -Those 2 missed payments will hurt for quite a while. Your reports will show you 60 days past due and it takes a while for that to age. Credit is extended based on your past credit experiences. -You are learning the hard realities of credit life.I suggest that you ask the credit card companies to include a brief statement that you write indicating the reasons for late payment. It is considered that your credit is not perfect and that you are penalized for that.There is very little that you can do other than the suggestion made above and making sure that whatever the reason you are not late again. Time will improve your credit ranking. -This isn't just one account with 60 days past due, it's 6 accounts with 60 days past due. It's going to take some time for you to recover from that.Are these accounts now paid in full or just paid current? If just paid current, it also sems you have quite a bit of debt. That could impact the car finance company's decision on the new car loan.Keep paying all your debts on time, save some money for a bigger downpayment, and try again next year.