Legal Question in Credit and Debt Law in Texas

Credit Crad Lawsuits

How long can an account be closed out, charged off, or whatever, before it can no longer be acted upon by a collection agency or even a ''credit card lawyer''? I'd always heard that after 7yrs that it was supposed to drop off your credit report and be unable to be acted (or collected) upon.


Asked on 10/23/07, 11:35 am

1 Answer from Attorneys
Sharon Campbell Sharon K. Campbell

Re: Credit Crad Lawsuits

The statute of limitations for filing suit on a credit card in Texas is four years. It can be reported on your credit report for 7 years from the date of last activity.

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Answered on 10/24/07, 10:02 pm


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