Improve semi bad credit?

[fa q]

Here's the situation: My dad was in the hospital last year and almost died. I was with him for about 45 days during this time i missed approx 2 payments on all my loans( car loan, 2 personal loans, 2 credit cards, and a 4 wheeler loan) Once i returned home I quickly returned everything to normal, or so I thought. Now over a year later I have all of the above paid off except for my car but I got denied for a loan the other day when i went to trade my car in. I got several letters and they all said the same thing. Past or present delinquencies. now this was just 2 missed payments that were corrected before any went to collections. whats the deal here if they are paid off?to elaborate all debt but my car payment is paid off completely. I was 60 days past due on 6 accounts, but only one of the 6 (car) remain with a balance.

[talondora]

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. Hope this helps.