Five years ago I lost my job and had to fight my company over three months for unemployment benefits. I fell behind on my rent and was evicted from my apartment. I should have paid what I owed when my unemployment was approved however; I was irresponsible and chose not to. It did not matter to me at the time but fast forward 5 years and I now have a family and am experiencing firsthand how important credit really is. The past due debt (3k) was reported to the CRA’s in 10/2009-Should I wait another two years and let this fall off my cbr or would it be worth it to pay it off now? Help!