Only if it goes to a collection agency.
yes it can
Yes it will definitely!
yes
Yes
Yes, a higher down payment is typically needed to get a mortgage with bad credit. A down payment of 25% or more will help to get a lower interest rate.
Yes, if you make the payments once you refinance in a timely fashion and are not late on a payment. This will actually help raise your credit score.
If you are not able to pay your many student loans, your credit score will be hurt. If you consolidate, you have a better chance of having a lower monthly payment that you can handle. A lower score that you will be able to pay, which in turn will only help your credit score.
They could further hurt you credit score. You will pay a higher interest rate which makes paying the payment that much harder which puts your credit even lower.
There is consumer credit companies that will help you get on track with your bills by working with your creditors to lower payment.
The creditor can charge you a late payment fee and report you late to the credit bureaus. One 30 day late payment can lower your credit score 90 points and cause you higher interest rates and cost you more money in the future. You can try to contact your creditor and ask to have the late payment removed if you have paid on time. You can also dispute it to the credit bureaus and try to have it removed that way.
Read your card agreement and it will spell out what terms you are under
In general, many lenders may be lenient about late payments, up to a 30 day period. However, if one finds their Capital One credit card payment to be late, one should expect their credit score to lower.