I asked ASC if I could skip a payment and make it up over 6 months. They said sure and then come to find out they where reporting that I was 30 and 60 days late to the credit bureau and destroyed my credit. They never told me about this and I found out 6 months later that this was happening when I went to buy a car. Nice mortgage firm! They then jacked up my interest rate and I went to refinance with someone else and no one will even look at me because of late payments that I acquired over the six months it took to repay the one month I skipped.