In terms of credit...
I am a student. I have missed minimum payments on my Visa maybe twice, and was late for a phone bill once. I have about $3000 on my credit card, that i do make the payments on now. I only have about 2 years of credit history as i'm only 20.
Are these two or three missed or late payments going to hurt me much? Or is that stuff pretty minor in regards to my credit rating?
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