> AFAIK (in the UK, at least), for an account to affect your credit record, without it actually going to court, would need for you to have signed a credit agree

> AFAIK (in the UK, at least), for an account to affect your credit record, without it actually going to court, would need for you to have signed a credit agreement at the outset I don't believe that's correct as scummy telecoms use the threat of ruining your credit to keep people paying even if they delivery no/subpar service.