However, I got my q-space score and the one thing they emphasized as the reason for my poor score (621) was the fact that I had 4 accounts sent to collection. These accounts are all paid in full, and are older than 2 yrs. (the last activity date on all of them is 1995.) Does this mean that they continue to have a bad effect on my credit even though they are old? does this 2 yr rule only apply to late pays on open revolving accounts? Im confused. Thanks for your help guys and gals.