Legal Question in Credit and Debt Law in Colorado

Re: How Can I Remove A 13-year old Debt from My Credit Report?

The description "13 year old debt" is not sufficiently descriptive to permit a definitive answer. The answer will be controlled by the Fair Credit Reporting Act [federal legislation], and possibly, its Colorado counterpart. Generally speaking, adverse information cannot be reported if it is "obsolete". Obsolescence will be determined by such factors as, depending on the circumstances, the date the default occurred, the date the debt was "charged off", the date suit was filed, the date judgment entered, the date the applicable statute of limitation ran, and possibly others. Having said that, 13 years is a long period in Colorado. Generally, with a few notable exceptions, derogatory information older than 7 years from one of the events listed above is considered as obsolete, and must be deleted by the credit reporting company.