$10.00 Klebold/harris Footage Vhs Tape Is It True If You Pay At Least 10.00 A Month, Then Something Cannot Be Put On Your Credit Report?

Is it true if you pay at least 10.00 a month, then something cannot be put on your credit report? - $10.00 klebold/harris footage vhs tape

Is it true that if you can pay a small amount every month, a creditor, contact your credit report? I have over 800.00 and some people have said that if the 10.00 months for them to send you can not enter the library, but I do not know if it's true. Thank you for any help!