Credit Report Dings

Credit Report Dings

Due to money constraints and my husband taking over bill paying one of the bills in my name was late and got reported on my credit. This is my first credit ding in the 7 years I've had credit and while my score isn't outstanding (I've got a lot of stuff currently open and paying on), I was wondering how badly this will affect my report/score? Do credit card companies look at the entire report (so they can hopefully see that this was a one-time thing that will never happen again) or do they only care about the score?
Some tips please

Some tips please

Thank You for all the ideas for flower garden

Thank You for all the ideas for flower garden

My terrace again

My terrace again

Our light set up seed thingy

Our light set up seed thingy

Can anyone tell me what kind of flower this is ?

Can anyone tell me what kind of flower this is ?

Welcome to my garden…

Welcome to my garden…