Just discovered a medical debt referred to a CA; SOL has run

[newtoallthis]

I'm new here.  I've read the threads here on medical debt and understand that it's treated differently from ordinary debt - but I don't know how.  

I recently obtained my credit reports, and one of them shows a very old medical debt that was referred to collection years ago (DOFD = 5/2005).  The SOL has expired.  

If I wait until 11/2012 (7.5 years from DOFD), will this automatically disappear from my credit report (as a non-medical debt would)?  If not, is it possible to do something like a PFD?  If answers like that can't be provided here, could someone suggest the google search terms I would need to find answers on my own?

Thanks.

[MarineVietVet]

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@newtoallthis wrote:

I'm new here.  I've read the threads here on medical debt and understand that it's treated differently from ordinary debt - but I don't know how.  

I recently obtained my credit reports, and one of them shows a very old medical debt that was referred to collection years ago (DOFD = 5/2005).  The SOL has expired.  

If I wait until 11/2012 (7.5 years from DOFD), will this automatically disappear from my credit report (as a non-medical debt would)?  If not, is it possible to do something like a PFD?  If answers like that can't be provided here, could someone suggest the google search terms I would need to find answers on my own?

Thanks.

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Hello and welcome.

A collection is a collection and the CRTP (Credit Reporting Time Period) is the same for each. This will go away in the same amount of time as any other kind of collection.

[newtoallthis]

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@MarineVietVet wrote:

Hello and welcome.

A collection is a collection and the CRTP (Credit Reporting Time Period) is the same for each. This will go away in the same amount of time as any other kind of collection.

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Thank you (and thanks for your service).