Everyone has probably forgotten to pay a bill once in their lives. Some people don’t realize how much a late payment can affect their credit. When Tom got hurt, I kind of let my financial self go for a while. I missed payments on my credit cards, and let other bills slide also. What I did not grasp at the time was how badly I was affecting my future, making interest rates rise and lending companies less apt to work with me. I am cleaning up my credit report, thank goodness. I think I will check out this site regarding credit cards… I should be able to find a much better offer and hopefully get that debt paid off faster! You should check them out too, you can easily find better deals for bad credit loans.