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Statute of Limitations List For All U.S.A States
Below is a list of the states and the time any debt can remain on your credit report (if you don't pay on it at all).
Keep in mind that if you have any debt that is in collections and it's on your credit report, use this guide to know when something is going to be automatically removed from your credit report.
I used this same report to see a debt that I was going to pay was scheduled to be removed from my credit report in just a few more days time. The debt was removed and I kept my $600.
ATTENTION: THIS LIST WAS TAKEN FROM 2009 AND MAY OR MAY NOT BE THE SAME RIGHT NOW. CHECK WITH A QUALIFIED PERSON TO KNOW THE LIMITATIONS FOR YOUR STATE.
State Open Accounts (e.g. credit cards) Written Contracts
Alabama 3 6
Alaska 6 6
Arizona 3 6
Arkansas 3 5
California 4 4
Colorado 6 6
Connecticut 6 6
Delaware 3 3
Wash, DC 3 3
Florida 4 5
Georgia 4 6
Hawaii 6 6
Idaho 4 5
Illinois 5 10
Indiana 6 10
Iowa 5 10
Kansas 3 5
Kentucky 5 15
Louisiana 3 10
Maine 6 6
Maryland 3 3
Massachusetts 6 6
Michigan 6 6
Minnesota 6 6
Mississippi 3 3
Missouri 5 10
Montana 5 8
Nebraska 4 5
Nevada 4 6
New Hampshire 3 3
New Jersey 6 6
New Mexico 4 6
New York 6 6
North Carolina 3 3
North Dakota 6 6
Ohio 4 15
Oklahoma 3 5
Oregon 6 6
Pennsylvania 4 4
Rhode Island 10 15
South Carolina 3 10
South Dakota 6 6
Tennessee 6 6
Texas 4 4
Utah 4 6
Vermont 6 6
Virginia 3 5
Washington 3 6
West Virginia 5 10
Wisconsin 6 6
Wyoming 8 10
Asked by
afili8ter
1 year ago
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i've got regular credit like thje hospital and finance companies, where can i get help?
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The FIRST Column is the STATE The SECOND column is for open accounts (e.g credit cards) The THIRD column is for Written Contracts
afili8ter 1 year ago
I just remembered this: YOUR TAX DOLLARS BAILED OUT THE BANKS. GET YOUR BAILOUT TOO! Don't be ashamed to not pay a debt at all if it's very close to being removed from your credit file anyway. I've done over $23,000 worth of debt like that... mostly by knowing what I now know, plus the timing of me checking on my credit file,,,, but it has been done. If you have a very large debt and it's within a year or so before it'll be gone off of your credit report, then just don't apply for anything in the meantime. After the time has expired, the debt WILL be gone forever. ONLY YOU CAN TELL IF WAITING OUT THE LIMITATIONS TIME IS RIGHT FOR YOU OR NOT!
afili8ter 1 year ago
What date would this start to take affect? Is there any way to find out how old the your debt is? Would it be on your credit report? Specifically for credit card debt.
angieb116 1 year ago
It takes effect the moment it's in collections. But, keep in mind, if you make any payments at all on a debt while it's in collections, you're turning back the clock on your debt and the timer starts over again. So, depending how far off a debt is to being removed, it may be financially worth it to wait it out. Go to each of the credit bureaus, and in some 3 in 1 credit scores web sites, you'll have to look for the link inside where it lists your debt that's in collections. I forget which one I used, because I'm using at least 5 different sources to get my credit report and scores. Any debt that's in collections, you'll be able to see when it's due to be removed from your credit profile. I have a small debt (around $471) but it's scheduled to be removed in approximately 2 more years. I live in a 6/6 state. It's been 4 years now since I never paid it off. But I'm going to have them agree to settle it for $120. In my case, it's better for me to pay the debt off (less than what's owed) rather than wait for 2 years to go by. I'll pay it off before this month is out, then I'll have it removed from my credit report within 45 days. It's really easy to do.
afili8ter 1 year ago
Thanks for the info. I will pull the credit reports and look. We were considering filing bankruptcy but I'm pretty sure these debts are very close to 4 years old (in TX). That would be so much better for us in terms of rebuilding his credit score and our soon to be combined score. I am so happy I've found this site. It has been a huge help to me.
angieb116 1 year ago
I believe in paying what you borrowed. I cast no judgement on those who don't live by my moral standards, it's just what I believe.
robert0380 1 year ago
I don't disagree with you. In this situation, which is not mine thank goodness, the credit card company's gave way too much credit to someone in college with little resources to pay this back. Once he fell behind, the fees and interest kept adding up more and more. At this point he had only actually charged about 10% of what his current balance is. So, pay back what you borrow, yes. Pay outragious fees and charges to line the credit card executives pockets... no. It may not be moral to you but I don't think preditory lending practices are moral either.
angieb116 1 year ago
Is this the state in which one lives or where the debt collector is.
blessed12250 1 year ago
if I was unclear, lets say I live in NY but the agency is in Nevada.....
blessed12250 1 year ago