Length Of time

Well............that REALLY depends on you. The first thing you should do ( personal experience..) is to get your CR and see what's on there. Then look at the letters from CA's ( if you have any and see how old your debts are. On a CR, debts have a 'fall-off' date on them ( the date the debt should fall off your credit). Also.....I don't know what state you live in, but, you should find out what your SOL is in 'your' state.