FTC / FDCPA – Does a time-barred debt stay on my credit report?

Compliance > FDCPA
Q:  Does a time-barred debt stay on my credit report?
 
A:  Maybe. The statute of limitations for a debt is usually different from the reporting period for a debt on your credit report. In general, negative information stays on your credit report for seven years.
 
 
The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.  This Q&A was obtained from Federal Trade Commission’s Debt Collection FAQs which may be found here:  https://www.consumer.ftc.gov/articles/debt-collection-faqs
 

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