how long can debt stay on my credit report
Nothing's stopping creditors from attempting to contact you, as long as they stay within the rules. If you pay off the debt, it will be marked as paid on your credit report. If you don't pay off the debt, the best you can do is to keep your credit report clean from now on and wait for the seven years to pass.Keep a close eye on your credit from now on, and soon you can have a credit history to be proud of.- Lindsey. Dear Lindsey, The statute of limitations and the length of time items remain on your credit report are two completely separate issues. The length of your statute of limitations -- the number of years before a debt is time barred from collection -- is based on state law.