I recently bought a refurbished Nikon D3200 DSLR and saw this speck in the viewfinder.
My question: is it just dust or a scratch?
(This does not effect my photos- just the viewfinder.)
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The noisy picture makes it difficult to say, but if it is closer to a round spec, chances are that it is just dust on your viewfinder.
You can follow the steps found here to dismantle your camera to take out and clean it's viewfinder: http://cobytechtutorials.blogspot.in/2014/02/how-to-opendismantle-your-nikon-d3200.html
Be very careful while following the above steps or else you may end up damaging the camera further! Dismantling the viewfinder will help you find out if it is a dust or a scratch. If it's dust, just clean it; if it is a scratch, I just hope it isn't distracting enough to keep you from clicking nice pictures! Just get it replaced if it's too distracting!