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Maybe. I recently had a collection agency calling me like crazy for $140 I 'owed' AT&T. After a big headache I found that AT&T charged me for 4 months of DSL at an apartment I moved from and canceled at. I even moved service to my new address! I never knew until a collection agency started badgering me 1 year later. The agency person kept telling me that it would hurt my credit score, but could produce no bill, and had no reason to give why I owed AT&T.
Every time they mentioned my credit score I had to laugh. I told them I have a house, a car and a credit card. Why should I care about my credit score? No good answer. Anyway, fuck AT&T for putting me through the trouble of correcting their mistake. In a fair world I should be able to bill them for the hours I wasted on their account. AT&T should have a score that I can lower. Yeah, credit scores make me angry.