"17. Collectors can harass you for a 7+ year old debt."
Picking at nits. CAs can NEVER harass you, whether the debt went delinquent last week or in 1982. Section 806 of the FDCPA.
They can legally call or write, at least until you C&D 'em, even if the debt is from 1982.
In my case, had I gotten a secured card 2-3 years after I got in trouble and been responsible with it then I would have history now and my scores would be where I need them to be to purchase a home. I didn't because I thought I was finished for 7 years based on what people told me. I truly had no clue about anything regarding credit. I'll be the first one to admit it. Now I have limited history and am paying for not wising up soon enough. I'm in my late 30's and I can't get that time back!