Warning: Landlord claimed I ruined their credit score over a $350 late fee dispute

I was 3 days late on rent after a bank error in Portland back in March, and the property manager said they'd report it to the credit bureaus anyway. Did I fight it through the tenant board and risk more fees, or pay the late fee to keep my housing history clean? What would you do when a small slip-up could tank your rental options for years?

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