I had a very bad year in '92 (husband left after I had surgery, lost the apartment all that was in it and slept on my sister's couch for the next 14 months or so until I was recovered and got a job.) I have been "on the run" from about 9 credit cards since that late '92. I haven't paid anything toward any of them since sometime in early 1993. Is it possible that they have all fallen off my credit report and it is now blank? The other question I have is what if there are judgements against me for these debts. Do they fall off the report after 7 years too? I'm in NYC and will be ordering my reports soon. I"m sure I"ll need a lot of help here in understanding them. I make about $15,000 a year and know that I cannot pay off these debts. I have no clue what I owe anymore. I haven't heard from any collection agency in years except for a letter sent recently to my parents informing that the debt was bought by a new credit card company. (The old one, I found out went bankrupt) I'm trying to establish some stability now that i'm in my mid-30s and have a long way to go in cleaning this up. I'd just like to have an idea of where I stand and the possibles. Thanks for any help.