My thoughts are it would affect your rating. When I didn't pay my Rogers $50 bill for a year and a half, and then paid it, I believe the fact that it was outstanding for a long time still appeared on my credit report, though the report also said that they had been paid in full.
I've missed a student loan payment or two and every one I've missed is right there on my credit report. The loan has been paid in full, but the fact that I've missed payments is still on there, and I'm sure it counts against me (I think).
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