If your statute of limitations has expired that means that the debt cannot be enforced by lawsuit, that does not dismiss the debt and the creditor can still leave it on your credit for 7 years (excluding some public records, those can remain for 10 years) but legally you do not have to pay it if the statute has expired. <From http://www.carreonandassociates.com/SOL.htm> Note: I do not work for Carreon. I just find there information very informative. Kenny you can look up SOL for the state that you live in at this site also. Kenny wrote: ------------------------------- How long do judgements last on your credit report?