So my car is on it's last leg. I need a car. Most likely used. Anyways my credit score is 575. Yea, I know, not the greatest. Well the car dealer said they were fine with that until they saw that I had a phone bill from 6 years ago that I didn't pay. Well if I pay that bill off, how long will it take to affect my credit score? I need a car like yesterday!



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