Does it though? I thought only credit accounts affected your credit score. This really isn't that...

Gym memberships, cell phone plans, utility bills, unpaid parking tickets, etc. will all report to your credit report if you miss payments. Debt, not just credit cards. A delinquent account on your account will drop it by 100-150 points immediately.

The risk-reward here is out of balance for SMB, so while we could just not pay it was more headache not to. Here is hoping for some class action. Perhaps small claims but its pretty frustrating that a company as large as Adobe has this in place.

How does that work? I don’t think Adobe has your social security number.

You don't need someone's social security number to send them to collections.

How does it affect your credit score then?

The information you provide with payment - name and address - is sufficient to add a delinquent account to your credit report, which will immediately tank it. Again, SSN is not necessary for this.