Late payments can negatively affect your credit score.  How can you avoid these payments?  In case you have to take care of some consistent unexpected bills, apply for Faxless Payday Loans.  These loans provide fast funds and you will immediately have the financial possibility to cover the bills.  This way, you will successfully avoid the late payments.  Try also to pay off the utility bills on time.  In case you fail to do this, the reconnection fees you will have to pay may negatively affect your monthly budget.  Do not forget that these loans represent a great financial aid as long as they are properly managed.