Re: Collection account
i would go with yes. a balance of 400 that hasn't been paid for over 2 yrs is def gonna suck for ur credit score. yes u can not pay it and just get other ppl to set up ur cable, but ur score is only gonna get worse if it stays unpaid.
the late payment shouldn't be that bad cause it was slightly late and then paid off. but i'd put money on this balance being the major reason for ur bad rating.
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