https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HELP/m-p/430504#M48602 <P>Welcome to the forums!<BR /><BR />I'd suggest reading the following:<BR /><BR />&nbsp;<A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&amp;thread.id=28996" target="_blank">What Steps Do I Take </A></P><P>&nbsp;</P><P>In general, don't contact the CAs or the associated OCs unless SOL has expired or your have the $$$ to PIF. Paying an old debt can possibly restart SOL (depending on your state's laws).</P><P>&nbsp;</P><P>&nbsp;</P> Wed, 04 Feb 2009 14:50:08 GMT llecs 2009-02-04T14:50:08Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HELP/m-p/430488#M48596 I am trying to rebuild my credit after some mishaps in 2004 and 2005. I haven't contact the CAs yet, what are my next steps. Can I offer them less money than is owed to have it removed from my CR? If I pay it can they still sue me if it's within the SOL? I am confused and just want it to stop haunting me. One of them was from a utility company the other was from a vet that performed emergency surgery. Wed, 04 Feb 2009 13:56:54 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HELP/m-p/430488#M48596 Anonymous 2009-02-04T13:56:54Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HELP/m-p/430504#M48602 <P>Welcome to the forums!<BR /><BR />I'd suggest reading the following:<BR /><BR />&nbsp;<A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&amp;thread.id=28996" target="_blank">What Steps Do I Take </A></P><P>&nbsp;</P><P>In general, don't contact the CAs or the associated OCs unless SOL has expired or your have the $$$ to PIF. Paying an old debt can possibly restart SOL (depending on your state's laws).</P><P>&nbsp;</P><P>&nbsp;</P> Wed, 04 Feb 2009 14:50:08 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HELP/m-p/430504#M48602 llecs 2009-02-04T14:50:08Z