I will try to be patient.It was really silly to miss these payments and I really DON T WANT AFFECT my score anymore.The hic is that I really need a car and the finance companies don t give any clue on the approval before I apply,. It is like a vicious circle I don t want made any applications without approval and they don t give any approval before I apply.I am actually working since 2 years and half with the same company, I have got money to spend on my credit card and store card, I am registered on the electoral lists.