See also: Water softening. Soft water is surface water that contains low concentrations of ions and in particular is low in ions of calcium and magnesium. Soft water naturally occurs where rainfall and the drainage basin of rivers are formed of hard, impervious and calcium poor rocks.ecause soft water has few calcium ions, there is no inhibition of the action of soaps and no soap scum is formed in normal washing. Similarly, soft water produces no calcium deposits in water heating systems. Water that is not soft is referred to as hard water.
Four Things Happen When You Pay Late. 1  Your creditor will charge a late fee. 2  Your interest rate will increase if you're delinquent for 60 days. 3  The late payment is added to your credit report when your payment is more than 30 days late.  Your credit score may drop.
What are the different categories of late payments and how does your FICO score consider late payments? Your FICOÂ® score considers late payment using these general criteria; how recent the late payments are, how severe the late payments are, and how frequently the late payments occur. So this means that a recent late payment, could be more damaging to your FICO score than a number of late payments that happened a long time ago. You may have noticed on your credit report that late payments are listed by how late the payments are. Typically, creditors report late payments in one of these categories: 30-days late, 60-days late, 90-days late, 120-days late, 150-days late, or charge off (written off as a loss because of severe delinquency).