ALSO, how long is the sol for telephone companies, or library books, and what would a medical bill be considered. I want all these off the reports NOW. Hubby has TU and EX with no credit score at this time, because he has no credit, only 1 ca, a judgement and a bk. BK was a 13 that converted to 7 and was dismissed in 1999, i want that off NOW. Any help woudl be great.