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The claim that is out of SOL should never be sued on in the first place. And it doesn't matter who owns it, it's SOL when the second guy sues on it too. Where the statute has applicability is for a claim that is sued on within SOL and later dismissed sometime after SOL would have run (had the claim not been pending), so now the creditor gets another shot at suing within the next 6 months (instead of "tacking" the tolled period onto the end of the pendency of the lawsuit, which could be a headache for the courts to work out on a case-by-case basis), but only one mulligan ... if he sues the nex

Not entirely true. Paying your account balances down will (not can) increase your credit scores. I am just speaking in this current case or for anyone who carries a high balance. However, if you already have low utilization, bringing down your balances may not have any effect at all. As far as removing collections and not getting a change in FICO score, that part can often be true. The effect of collections on your FICO score depends mostly on the age (if not entirely). Removing a collection several years old may have little to no effect on the score, however it is still in most peoples

How do you solve a problem like Maria? Shoot the bastards.