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.
Whether itâs a late car payment, credit card payment, or mortgage payment, a recent late payment can cause as much as a 90-110 point drop on your FICO score. As time goes on, the late payment will affect your credit score less and less until it drops off. However, potential creditors can still see that history as long as itâs listed on your report. Late payments appear on your credit report as either being 30, 60, 90, or 120-plus days late. Each of these degrees of delinquency affects your credit score differently. The later you are, the more damage it does to your credit score.