Any missed payments on an internet plan, no matter how modest, may negatively influence your credit score. Nonetheless, a broker's daily routine often includes addressing a client's "credit blip" from the past. Your financial situation will be evaluated, and any steps that may be taken to increase your approval odds will be. The best way to make everything work out is to trust your advisor and be honest with them from the first time you meet them. Having them guide this journey would be in your best interest. Thus, it would help if you were transparent with them to understand your situation better and develop the best plan to get the house of your dreams.