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About zephyr102

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  1. Hello! I'm in a pickle and am trying to understand how to not have my credit score dinged, or get reported with a bad mark...yet I can't find an answer to this question anywhere. So I hope someone can help with some insight. I know that if you miss a credit card minimum payment, you don't actually get dinged with the credit bureaus until you've missed the following payment 30 days later, right? So it's the second consecutive missed payment that actually gets you in trouble ("officially", anyway). But here's where I'm not clear. I had some huge medical expense