The statute of limitations is not the credit reporting clock
Two separate timers. Confusing them is how people accidentally revive an old debt.
The credit reporting window is seven years from first delinquency — that's federal, under the FCRA. The statute of limitations on a debt is a state law question that determines how long a creditor can sue you, and it ranges from about three to ten years depending on the state and the type of debt.
They run independently. A debt can be too old to sue over but still legally on your report, or off your report but still legally collectible. The dangerous part: in many states, making a payment or acknowledging the debt in writing restarts the statute of limitations on a time-barred debt.
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