creditkarma.com ... check out your creadit score. check out what's hurting it. pay that shit off.
I'm looking on here and it says zero derogatory marks so think that's good for now.. is anything from the past able to pop up if it hasn't by now?
i would say it's unlikely. each state has statute of limitations but if you owe someone money, they're going to report it as soon as they're legally able to.