S
srivard
Guest
From what I understand, you have to be given all the chances to clear your name before being reported as delinquent and getting bad credit. Usually what "should" happen is that your outstanding debt would be passed along to a collection agency who would contact you to get the money (they are usually a bit more threatening then someone like Bell). If you still fail to pay up, then you are reported and you get bad credit. That's my understanding anyway, if I'm wrong, so be it. As I mentioned in my post, I always paid what I was suppose to pay, as well as the interest they charged me.