![]() ![]() This means that the last time you used a credit card, obtained funds from a loan, or made a payment count as activity. These periods begin on the last date that you were active on the account. In some extreme cases, such as New York, the statute of limitations is up to 20 years. The rules vary based on the state and the situation, but most often the average is four to six years. The statute of limitations governs how long a creditor can legally sue you for debt.
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