Late on Credit Card Payments
Credit Card Information and Tips has a great tip on those that are late on their credit card payments:
If you get behind on your credit card payments you should cut your expenses. Call your credit card company. They may be willing to work out a repayment schedule with you. Develop a budget and stick to it! Everyone makes mistakes, but credit mistakes will follow you and hurt your eligibility for mortgages or loans down the road. Look into credit counseling services. Many offer educational programs or individual counseling sessions to help you get back on track.
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