First, six years is wrong. On credit reports, unpaid credit card debt lasts for seven years. The statute of limitations, which pertains to someone filing a lawsuit against you, not to your credit report, is usually less, but varies by state.

Second, the time periods are not supposed to restart. It sometimes happens anyway. After 7 years, check your credit report and dispute anything over 7 years old.

I’m not sure if you are asking about the reporting time line or the statute of limitations so I will address both.

Derogatory accounts show on your credit report for 7-years from the date of first delinquency. It is illegal to re-age debts.

The statute of limitations however can be restarted if you pay on a old debt or in some States be even admitting that the debt is yours.