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Credit report exclusion precludes the CRAs from continuing to include a collection or charge-off in any credit report they issue after 7 years plus 180 days from the reported DOFD. Credit report exclusion thus prevents others from becoming aware of unpaid, delinquent debt by a simply pull of your credit report, and also removes the derogs from your scoring.
Credit report exclusion does not discharge the debt. Whether or not you choose to rely on credit report exclusion as basis to thereafter "do nothing" is your call.
If also outsde of SOL, you can of course choose not to pay the debt without any concern about the creditor obtaining a judgment.
Whether or not the unpaid, deliqnuent debt may become known to others or become a factor in your tuture quests for new credit is hard to determine.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |