Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
I believe you are asking about the statute of limitations on collection of a debt.
Generally, debts can be reported on your credit report for 7 years, payments, late payments etc.
A statute of limitations is just a defense to collection on a debt
If there has been no payments or acknowledgment of the debt, then once the statute of limitations passes, then the debt is uncollectable.
If the debt is passed the reporting time, then contact the credit bureaus to fix any inaccuracies.
Let me know if you have any other questions.
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