Quote:
Originally Posted by DeniseNTexas
Well, I get letters from a few of them but very few. And I haven't had a phone call from most of them in several years, at least four. I've moved, don't have a landline, etc. over the years.... I'll check into that.
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The four years is based on Texas policy; other states may have different policies for collection. I cannot tell if you've "moved" beyond state borders; whatever place (state) you've purchased from, that's the state's SoL (statute of limitations) you should be aware of.
I believe your credit history pretty much follows you around for a very very long time. Even a bankruptcy may need to be "petitioned" off a credit report after it's 10-year statute-of-limitation. As far as I know, your debts will not "just fall off".
You can petition errors off your credit report, but if it's really your debt, and you will be needing "good" credit in a future time, then these would count against you.