Here's the deal. I owe Columbia House Music Club about $70 for some cds I got about 2 years ago. It was only $35, but they added some other late charges to it or something. Anyway, I would've paid 'em, but I don't have a job and I don't have any money. On the rare occasion that I do come across some, it usually goes for gas or food. I'm 18 now and was 16 when I got the cds. Now they've turned it over to a collection agency. My question is can this ruin my credit even though they never got a credit card number from me? Hell, they never even asked my age. Thx.