Credit reports are not legally binding; that is, whether or not something is on your credit report has no bearing on whether the debt is still legally enforceable. A debt may be legally enforced until the statute of limitations (SOL) for that kind of debt expires. In Virginia, it appears that if the debt is seven or more years old, that the SOL has expired--the SOL for open accounts is three years, I believe, and it's five years for a written contract. So, due to the age of the debt and the SOL, it would appear the debt is no longer legally enforceable.