Sometimes our plans are not so perfect, and it’s hard for us to plan everything. So from time to time we can get behind on paying our obligatory loan payments. What to do in such a case? How to get out of a difficult situation and not to spoil your credit history? There is no need to spoil your credit history in any case. Life is not over tomorrow, and this means that you may need large loans, such as to buy a car or an apartment. With a bad credit history, you can forget about a car loan or a mortgage.