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"You know a late or missed payment will ding your credit score, but how much do a few points matter, really? A lot, it turns out."^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.aol.com/article/2014/02/03/how-much-are-those-dings-to-your-credit-score-costing-you/20818795/?gen=1>