SOL for medical bills in texas

If it is out of the SOL period, then you should be able to get a copy of your credit reports and dispute it with the bureaus. It does not always come off your credit report automatically. The SOL in Texas is 4 years from the date of last activity.

Cathy,

I think you're jumbled up between SOL and 7 year reporting time. SOL or statute of limitation is a time span after which no legal activity is enforceable on a debt. SOL starts for the date of last activity.

It might be that one of your debts is past SOL, but it can be there in your credit report. Say for example, SOL in Texas is 4 years and it starts from the date you made payments to this account for the last time. Once it covers the 4 years time span, you are no more obliged to pay it legally. But it will be there in your credit file for another 3 years.

Negative credit information stays in credit report for 7 years from the date of reporting and it has nothing to do with SOL. After 7 years it goes off automatically. SOL varies for different states, but 7 year reporting time is constant for all the states. Let us know, if you still have any confusion. Browse this forum to get more related discussion.