The hit on your credit report that can last many years if you pay late is far more of a risk than fraud, IME. I forgot to pay my credit card 6 years ago, and th

The hit on your credit report that can last many years if you pay late is far more of a risk than fraud, IME. I forgot to pay my credit card 6 years ago, and that has been hurting me ever since, including on my mortgage. Finally fell off just this year.