 TITLE: What Happens If I Don’t Pay a Deficiency Balance? CONTENT: Rebuilding Your Credit\n----------------------\nIf you owe a deficiency balance, your credit score has likely already taken a big hit from missed loan payments and other negative marks. You may feel like your score will never recover.\nThe truth is, no matter what your credit score is, you can always rebuild it over time. The sooner you begin adding positive information to your credit reports, the sooner you'll start gaining points. For a jump-start, sign up for Experian Boost™† for free, and add your on-time utility, cellphone and Netflix® payments to your credit file. END