You will be fine.  Just be honest about why you were late paying.  You are human and we all make mistakes.  You do not have a history of poor financial responcibility so don't worry about it.

anonymous, you are right. The majority of lawenforcement agencies look at the 3 major credit reporting agencies to see your credit status. since ballys did not put negative info on any 3, i should not be worried

Treetop,

   It will depend on what your agency considers acceptable or non-acceptable.  The agency you are applying with will probably do a credit check, and based upon the information you provided, it should be clean.  But, if they ask, or if the application has a question pertaining to prior collections, etc, answer the questions truthfully.  A background check may bring this information to light even if the credit report shows no problems, and if you lied about it on your application or during an applicant interview, the issue will not be past credit problems, but your integrity.  And that could be more than enough to get you DQed.  I know my agency doesn't get to wrapped up in credit problems, unless they are ongoing, current, and significant.  I would estimate that 25% of the people I interview for positions have problems similar to what you have posted, but they still get hired.  It's all about your integrity when you apply.