Free tool · Texas
When does it come off your report?
Pick what is on your credit report and when you first fell behind. You get the dates right away, free, no sign-up: when it should leave your report under federal law, and where it stands on the Texas four-year lawsuit clock.
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1. What is on your report?
Add each item you want to check. Up to six.
When did you first fall behind on the original account?
Your report may call it the date of first delinquency. Not sure? Use the month you first missed a payment and never caught up.
Two clocks, not one
- Reporting clock (federal). Collections and charge-offs can generally be reported for seven years, and the seven years starts 180 days after you first fell behind. Late payments: seven years. Bankruptcy: up to ten.
- Lawsuit clock (Texas). Texas generally gives four years to sue on a debt. A debt can be too old to sue on and still be on your report.
- Selling a debt does not restart either clock. If a date on your report looks newer than when you really fell behind, that is worth a hard look.
The full breakdown: Texas debt statute of limitations vs. the 7-year rule
You can dispute errors with the bureaus yourself, for free. If you ever hire a credit repair company, federal law gives you three business days after signing to cancel, for any reason.
Where these rules come from
- 15 U.S.C. §1681c (FCRA: how long items can be reported)
- Texas Civil Practice and Remedies Code §16.004 (four-year limitations period)
- Texas Civil Practice and Remedies Code §16.065 (acknowledgment of claim)
- Texas Finance Code §392.307 (debt buyers and time-barred debt)
- 15 U.S.C. §1681i (FCRA: disputes with the credit bureaus)
- CFPB: medical debt already paid or under $500 should no longer be on your credit report