I cannot believe that, being a by nature a responsible credit consumer, i've missed a payment on my car loan 2 times! Is my credit history hopelessly damaged? I do not actually know which is worse - to miss a car loan payment or a credit card bill.
Happily, my credit card bills are in good standing so far. I refuse to believe that my personal temporary problems will not lead to credit damage losses. I've read about such losses that happen as a result of independent circumstances like job loss, ilness and others.
they can compensate for them, which i strongly doubt however...
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