ON Canada, before you missed the payment, speak to the bank as most of them allow a "skip a payment" program. If you speak with them, this will not hit your credit score and they will just add one more payment to your overall term. It is simple but you need to communicate with the bank.

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Discharged from bankruptcy in ontario, canada in 2004. my equifax fico score is back up to 640 however all of the items included in my bankruptcy will fall off of my report next month so the only items i will be left with will be my bankruptcy showing with my discharge date in 2004 and my 2 active credit cards with r1 and no missed payments. will this affect my score once these old items fall off my report?

It will affect you in the sense that the lending institutions that were involved in the bankrupcy may not want to deal with you. You will be flagged with those banks but usually after 4 years they may look at you again. If you have re-established your credit, which it sounds like you have, you should should try and get your 2 trade lines to be $5000 cumulative credit limits seasoned for the 12 months. Some lenders may want 3 trade lines but the same $5000 cumulative