I am a resident in CA. The SOL is 4 years from my understanding? Now, what are my options? I read previously in Marie's post that at this point there is no point in doing a "validation". I believe that I should do a "not mine" with the CRA? Is this correct? So this means I don't need to contact the collection agencies at all? There is one collection agency that has been persuing the debts lately.. NCO has bought out 3 of my old credit card debts and now the total they are asking for is $17k. The original total before they bought was $14k. They said they are willing to settle for $6.5k. Is there any reason to talk to them at all? I told them to send some proof or breakdown of what I owe them in the mail.. I recently received a statement listing the 3 cards and the total of $17k. I also recall judgements being an issue when dealing with credit/collection, etc. Now, the only judgement that I am aware of happened with NCA, another collection agency. The original debt was around 800, plus interest came to 1300 or so is what I owed the creditor. The collection agency demanded I pay them $3200 after receiving judgement against me. Back then, in 1997 I didn't know what a summons meant or anything legalwise.. anyhow, I ended up settling with them for $2500 in a money order. I asked them how this will help my credit.. they told me to dispute this with the CRA and they wouldn't respond and it would fall off my record. Thus, that's the only judgement that I am aware of.. now, my question: how does the SOL affect me? Does this mean I don't deal with the collection agencies any longer? Also, can the address deal benefit me at all? I am now living back in my parents' house.. my permanent address for the past 20 years or so.. the credit problems happened when I was away in college. During my stay in college, this is how I lived during the years.. Year 1: School Housing (sept-aug) Year 2: Apt A (sept-aug) Year 3: Apt B (sept-aug) Year 4-5: Rented a House (sept-aug) Final Year: (sept-dec, then sublet) 3 months: new temp apt location Current: residence @ parents' house (same as before I went to college) Is there any way I can dispute regarding address/place of residence? Now, I wanted to also make clear that I am not trying to avoid the responsibility of paying debt.. I have no problem with settling the accounts, yet at the same time I do want to clean my credit as well. I am looking for the most quickest way and best way in having spotless credit again.. I want to have all negative marks removed and only the positive remaining. As for positives, I have the following going for me: 1) Mechanics Bank: never a late payment for car loan, all paid off 2) AmEx Corporate Card: never late payment (have had for 1 year) 3) Joint Account: never late payment (1 year) With all the following information given above.. what to do first? I am now in the process of obtaining all 3 credit reports so I can have something current to look at and know what I am facing.. thanks again for everything and I look forward to any advice or help you can provide Marie or anyone else!