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Credit reporting only reflects the credit reports.. obviously
If a person gets a judgment in a state and the law of that state says a judgment is good for 20 years than the creditors can still collect after it falls off the credit report (10 years)
Same thing with a credit card. If you stop paying a credit card it will reflect negative for a maximum of 7 years on the credit report. If the statute of limitations in the state where the default occured is 15 years than the creditor can still sue you after it falls off the credit report. If the state SOL is 3 years than the creditor can't sue past 3 years even if it is still on the credit report.
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