Building credit is a lifelong journey that not everyone is able to take without a few bumps along the way. Sometimes life throws a wrench in your works and you have to deal with missing a payment on a loan, or making late payments. These situations tend to add up and may eventually end up hurting your credit score a lot. Many people are surprised how little it takes to harm your credit score - what seemed like just a few late credit card payments may in fact block you from getting a mortgage loan.

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