missing one payment may cause borrowers to\nneed a credit report.\nlose their collateral.\nbe charged a late…

Brief Explanations:

Missing a payment in a borrowing - lending context typically results in a late - fee being charged as a penalty for the delay. A credit report is not directly caused by a single missed payment. Losing collateral usually requires more severe or long - term default. A down payment is made at the start of a borrowing or purchasing process, not due to a missed payment.

Answer:

be charged a late fee