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The statute of limitations on open accounts in Kansas is three years. All information, good or bad, remains on a credit report for seven years with the exception of a Chapter 7 Bankruptcy which stays on the report for ten years.
You may want to consider getting financial counseling. If so, please go to the following website: http://www.daveramsey.com . Up in right hand column, click on “Financial Counseling.” Then click on “Find a Counselor” in the left hand column. Fill in the information requested for the name of a financial counselor near you.