Home » FAQ » Credit Reports » A disputed medical-office fee from six years ago suddenly reappared with a collection agency. I pointed out that the statue of limitations had long since passed on the debt. Two months later, they added it to my credit report. Can they add expired debts to a credit report?

A disputed medical-office fee from six years ago suddenly reappared with a collection agency. I pointed out that the statue of limitations had long since passed on the debt. Two months later, they added it to my credit report. Can they add expired debts to a credit report?

Answer: Defaulted debts can be added to credit reports for 7 years after the date of default. But they must be added accurately. If the addition is inaccurate, or you want help trying to settle the debt and get if off your credit report, you may need help from Attorneys For Consumers licensed in you state.

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