+1 vote
by (280 points)
Statute of Limitations Question When pulling my credit report, I found a negative CC account. The CC is closed and reporting derogatory. It never went to collections, and the date of the last activity was 12/2014. If I’m reading right, the statute of limitations for CC debt is 5 years for my state (AR). Is that for the time that they can pursue it for collections, or can I request it to be removed? Should I leave it alone? I don’t want to re-age it but I want it gone.  
Statute of Limitations Question When pulling my credit report, I found a negative CC account.

1 Answer

+1 vote
by (2.3k points)
It should drop 12/2020
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