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New plan and statute of limitations Fla

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Hello all. Through the help of this board I was able to clear my credit many years ago. About seven years ago I got divorced after learning my ex maxed out my credit and wasn't paying the bills. In the end I know its my fault but had to walk from the mess due to all the other financial obligations I was left with (house, kids). Fast forward to today. I have not applied for one line of credit nor acknowledged any creditor for over seven years. My credit is even worse now due to collection agencies re aging the debt. My question is I am ready for a fresh start and was wondering, do I use the past the statute of limitations on all items on my credit? I reside in Florida. I will be reading these boards for the next couple of weeks to catch up on the credit world. I also need fresh copies of my credit report. It feels good to be back! Thanks in advance for any advice.

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By `not acknowledged any creditor' in the past 7 years, you mean you've made no payment to any creditor or collections agency, and have not had a judgment entered against you for any bad debt? If the answer to that is yes, you're pretty much at the point where you're clean but would obviously have a thin file.


I'd say step 1 is to dispute any baddies that haven't fallen off on their own, after that step 2 would be to get a few positive tradelines. You have NO active accounts in good standing? No mortgage, car payment or open credit cards?

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No trade lines that were reporting. I am going to buy a cc that reports to cbs and get some positive lines started. Many accounts went into default around the time of my divorce. Problem is the CA s that are buying the debt and re aging it.

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