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When you owe a debt, don’t think you’re so smart if you negotiate a way to pay less than you owe. That decision could cost you thousands more down the road. National Financial Educators Founder and Chief Education Officer Adam Carroll gives a real-life example of how not paying a small bill can hurt your credit score – and your pocketbook -- in our exclusive video above.

You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips.

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