<prompt> Human: Ill preface this by saying I know next to nothing about credit.My credit score is 584 and Id like to really start working on it. I have one closed account on it from an unpaid 600 Verizon bill back in 2010 doesnt it drop off or something after 7 years? Should I pay this?and that is all thats there. Im actually in the process of trying to furnish my den and Advice given to me from family and friends was to go to Aarons. I want a sectional and there is a really nice one that Id like to get and the monthly payment is 129 which I can afford. But the plan is for two years which is 3096.How can I expect my credit score to change over the next two years if I do this if every payment is on time? Enough to warrant buying a 3000 couch?  <response>: No it isnt worth buying a couch 