<prompt> Human: I used to have squeaky clean credit, a score of around 780. This is the first time I have missed a payment on anything, and didnt realize it until I received my bill for this month and saw the late charges for April. I always pay my bills the day I get them, so I have no idea how I missed last months other than the bill getting lost in the mail and my not noticing a lack of a power bill. I really dont like the idea of auto-draft but I may sign up for that now.  <response>: Utilities dont really affect you unless its in collections, which is unlikely for one missed payment. I think youre ok. 