<prompt> Human: Yeah just got the bill with a late fee and double payment etc. Bank statement confirms my payment didny make it last time. Is this going to hit my credit or is that only if i miss 3 in a row? EDIT: I got it fixed today. And I sent in the check it just got lost was the thing. But everythingll be fine now I think. Thanks for your help guys!  <response>: You should consider setting up an automatic transaction for your mortgage payment to avoid issues like this and save on postage. 