<prompt> Human: Probaly a stupid question idk, but does it hurt your credit. Its been 3 years and now has gone to a collection agency. I forgot all about it and as soon as i got the letter in the mail i have paid it off in full, just wondering if it got to my credit ?  <response>: If the university or the collection agency reported it to the credit bureaus, then yes it will be on your report. 