Hello this is my first post
When I was 19 years old I really did a number on my credit cards . It was just to easy they kept sending them and I kept running them up like it was free money . Then I could not pay them back so I just let them go
Well hings have changed since then I am now 27 with a wife and 3 kids, I got a good steady job with benny's and want to buy a house . I just got a copy of my credit report and it's bad , 8 accounts charged off and 1 judgment . the oldest date of last activity is March 1999 .
I just got a car loan at 21% ( I know but I had to do it ) but when I applied for the mortgage they said no way . so that's why I bought the 2nd report this year and even paid for the score with monitoring it's 529
but now since my seven years is up do I have good credit if this information is taken off my report like it should have last spring (except the judgment that's 10 years right). do I no longer owe this money to the credit card companies or should I start a repayment plan .

