Close to 10 years ago, I was going through some tough times and allowed my credit to go into the toilet. Since then I have cleaned up my credit, opened new accounts, and basically raised my credit score to the point that I now get approved easily for cards and get CLI regularly.
A few years ago, I decided to look up to see if I had anything listed in my local court system. An old Capital One case popped up. I have no idea if I have a judgement from that. It shows that the case was filed in late Oct 2006. I have no idea if it is a judgement or what. There is no record of a judgement in any of my credit reports. I was never served any papers and I have lived at the same address for almost 15 years. I have heard nothing about this in the last almost 10 years. It does NOT show up in my credit reports, collections or public files.
I don't want to kick any sleeping bears especially since the 10 year SOL is due to expire this Oct.
Since it is so old, I probably will have to go down to the courthouse to see where it is kept (on the court system it says it was microfilmed. It does NOT say whether it was resolved or what happened).
My credit is doing well now but I am afraid to kick this "bear", especially so close to the 10 year SOL.
What should I do?