https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit/m-p/96048#M54997 Please help.... 9 years ago I took a cut in pay to keep my job.I paid off all my bills except for one bill which was a judgment for a car note I had. The judgment was taken off my credit after the 7 years limitation, however, collection agencies are still sending me letters. Every 2 months a new agency takes over. what can I do. this is pulling my credit score down. Mon, 12 Nov 2007 19:04:35 GMT Anonymous 2007-11-12T19:04:35Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit/m-p/96048#M54997 Please help.... 9 years ago I took a cut in pay to keep my job.I paid off all my bills except for one bill which was a judgment for a car note I had. The judgment was taken off my credit after the 7 years limitation, however, collection agencies are still sending me letters. Every 2 months a new agency takes over. what can I do. this is pulling my credit score down. Mon, 12 Nov 2007 19:04:35 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit/m-p/96048#M54997 Anonymous 2007-11-12T19:04:35Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit/m-p/96073#M55005 <DIV>If it's not on the report, it is not affecting your score.</DIV><DIV>&nbsp;</DIV><DIV>You need to double-check SOL in your state - if past SOL they can call/write etc all they want - they can't do anything to you.&nbsp; It will always be a debt - and there will always be some junk debt buyer who wants to make money off of you.</DIV> Mon, 12 Nov 2007 19:35:43 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit/m-p/96073#M55005 Anonymous 2007-11-12T19:35:43Z