I got a letter the other day from a CC company saying they would waive a
portion of my debt if I paid up a certain amount. (Just a couple
grand...nothing big).

If this is actually MY debt, it would have been from the 90's (probably
around my divorce-time.)

I figure I'll call them and find out if it was my ex-wife's stuff, etc. But
isn't there a SOL on this shirt?!?!?! This would be over a decade old.

Any advice? Can they even affect my credit right now (which is flawless)?