How do I calculate the statute of limitation for a collection?

Knowledge of applicable statutes of limitation (SOL) is almost always a key component of credit repair success. With the knowledge of your SOL you can know when your settlement offer is most likely to be accepted, when you can comfortably tell an aggressive collector to get lost, and even when you might be better off hiding.… Read More

Can a derogatory account continue to show up on my credit report after the statute of limitation expires?

The statute of limitation has no bearing on the length of time an account can show up on your credit report. Nevertheless, the statute of limitation is a critical piece of the credit repair puzzle.… Read More

Hi, I am getting harassed by a collector for a debt that I swear is 10 years old. How do I stop it?

Collectors can be tenacious. And yes, they are just doing their job, but, to put it plainly, the way some collectors are trained to behave is bad, borderline illegal, and reprehensible by absolutely any moral standard.… Read More