HI! Back when I was in my late teens, early 20's, I accumulated alot of credit card debt.....about $30,000 worth. Basically, I let them all become charge-offs. It has been about 15 years. Being young and dumb, I thought they would just go away through some sort of stature of limitations. Every once in a while I get a letter or a phone call from a collection agency. I lived in Cali until 3 years ago. About 2 years ago, out of the blue I applied for a credit card without a job....just my ebay earnings. Unfortunately I was approved for $6000.