<prompt> Human: I live in California and have credit card debt that is more than 4 years old. I accrued this due to a personal and financial hardship.My understanding is that the Statue of Limitations states that the collection agency can only sue me for 4 years. Is it possible to remove the debt owed and remove it from my credit report?My ultimate goal is to fix my credit score and apply for a mortgage. Any help is greatly appreciated!  <response>: The SOL for being sued is different than reporting. CRA can report negative accounts for up to 7.5 years although most removed around 7 years from the first date of delinquency. 