There are lots of other things you can do to repair your credit, all of which are explained in the DIY guide — using goodwill letters, what to do
about zombie debt, how to remove inquiries, adding personal statements to your credit reports, how to negotiate a pay - for - delete, how the statute of limitations affects your debt, record - keeping, monitoring your credit, building positive credit, and more.
Numerous articles have been written on this Forum
about debt collection companies who buy «
zombie debt,» i.e.
debt that is no longer owed due to the expiration of the statute of limitations.