Just a quick post here to tell you about a pattern I saw becoming more widespread when I was a home loan originator. Often I would pull someone's credit report and find collections for parking tickets, unpaid overdue library book fees, and collections for movies you may have rented and either didn't return them at all or you didn't pay the late fees on them. Most of the amounts owed were ridiculously low but they ended up as unpaid collections anyway.
These are items that you might not think of as having to do with your credit so I thought it best to warn you. If you think you're doing a great job managing your credit, and yet you have a little something like an overdue library book fee, you better pay it or it could hurt your credit score when you least expect it!
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