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 A seemingly small stumble can cause your credit score to plummet. Andrii Zastrozhnov / Shutterstock.com

The next time you check your credit score, you might discover it has taken a tumble because of a seemingly small mishap on your part. This happened to me once because I misplaced a bill for a whopping $12.70. My nonpayment ended up being reported to credit bureaus, also known as credit-reporting agencies. The result was an 80-point decrease in my credit score and several months of regret.

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