It is not when they reported it, but when did they file the judgement, the date of judgement. If they went to court and got one prior to the SOL running out, it may be valid.
Now if they did not notify you properly according to the laws of the state where you were living when you had the card, you can contact the court and challenge the judgement,
If they filed the judgement after the SOL and counted on you not appearing, then you can challenge it on those grounds.
BUT>>>> if they have a judgement from the court, they can garnish your wages in certain states, attach your bank account and so on.
You need to find out what happened and when by checking the court records.
Also to be honest you owed the money, just not contacting them is never a answer. So trying to work out a deal would be the right thing to do.
Now also even if it is a old debt, it does not mean they can't try and collect, but after the SOL date they may not sue you in court but may try to collect for as long as you live.
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