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yes they can do this. like
yes they can do this. like any other bill you may have you cannot just decide you'll pay it whenever you feel like it without any repercussions. can you pay your mortgage bill whenever you get around to it? your current credit score already gave you "credit" for all the bills you had been paying on time up until you just decided not to pay one. it was adjusted to reflect that non payment. just as their treatment of you left you no choice but to cancel, your deliberate non payment left them no choice but to report you. fair is fair and a little personal responsibility goes a long way.