I have just ended a contract with Virgin Mobile because they sold me a defect phone. I sent it out for repair about 5 months later because I ignored the problem, and it got worse. So I receive it back yesterday, the same problem occurs. So I decided to end the contract and it costs $10 a month, I signed the contract for 3 years so I have $230 left (23 months). It was their fault and I just don't want to deal with the problems with them anymore & their plans are too expensive SO I was wondering, if I do not pay the $230...how would that affect me and my credit line?