Credit

[Anonymous]

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.

[Anonymous]

If it's not on the report, it is not affecting your score.

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.  It will always be a debt - and there will always be some junk debt buyer who wants to make money off of you.