Can a company list you on ITC for 2 years under account status "Bad Debt Written Off" and then after that listing expires (2 years for bad debt written off to be cleared off your name) list you on experian for a judgment? Its been more than 3 years now and I have a debt collector bothering me for money. Can they do this, and does the prescription rule fall away since the judgment was listed 2 years after it was written off?