Credit Report Time Limits Texas
2010
Is there a time limit or statute of limitations that a credit card debt can be collected against?
I have heard that Texas has a 4 year statute of limitations on unpaid credit card debt. If a collections agency buys this account does the 4 year limit start over? If not, and the debt is over 4 years old and has had no payments made to it, can I have it removed from my credit report? If so, how do I go about it?
You are correct. In Texas the statute of limitations is 4-years.
If this has passed, there is nothing that the collection company can do to you legally.
And no it doe’s not start over. That is not legal under the Fair Credit Reporting Act.
As far as getting it removed from your credit, that takes 7-years from the date of first delinquency.
Double G Credit Repair & Restoration Fort Worth TX
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