I just checked my credit score for the first time in about 3 years...and it was pretty much what I expected considering I've used very little debt and got into a little trouble with my credit card a couple years ago. On my report, it is showing I have 1 delinquent account. The only thing I can find that is unpaid is a $70 bill from an old cable company (that my POS roommate apparently didn't pay after going our separate ways). Our cable was under my name so it was reported on my account (thanks for not paying your share dude!). This was 6 years ago. When I do the little "estimate your credit score" thing and select that I have no delinquent accounts rather than 1, my score jumps a good 55 points. Does anybody think this is actually correct? If I pay this bill from 6 years ago, will it really have that much of a positive impact on my score? I find this hard to believe... I'm not trying to improve my credit score so I can get a loan, I'd just like it to be higher for peace of mind. Since it's a 6 year old delinquency, doesn't that mean that a year from now it will be off my report? I mean, I was 19 years old at the time, am I really going to be punished for someone else's mistake for years to come? If it will be off my report in a year, I'm not going to pay it, but if it's going to stay on there for the next 3-5 years, I'll pay it. Any advice?