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Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

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2-1-1 San Bernardino. Emergency Assistance. Utility Assistance. Money Matters. Rental Assistance. Who are these organizations - and why should you trust them. NerdWallet has vetted the organizations listed in this database to ensure that they provide consumer-first services, either through low-interest loans or financial assistance.

These local community centers and nonprofits serve people who need help with rent, transportation, paying utilities or other emergencies. They're part of your community and have track records of helping people just like you. Many offer advice and education to help you make the right financial decisions even after the immediate crisis has passed.

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