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Why is a Debt On My Credit Report After the Statute of Limitations Has Expired?


Some debts can still be listed on your credit report after the statute of limitations has run out. The statute of limitations and the credit reporting time limit are two separate time periods, governed by separate laws. The statute of limitations varies by state, according to the laws in each state, and can be as short as three years in some states. The credit reporting time limit, however, is based on the Fair Credit Reporting Act, and is seven years for most debts.

So, if you live in one of those states with a shorter statute of limitations you may have debts that remain on your credit report even after the statute of limitations has passed.

More FAQs on Debt Statute of Limitations


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