Q: Would I have to pay for an almost 10 year old water bill, that isn't even on my credit report?
A: The failure to list or report the debt to a credit reporting agency is irrelevant, the real issue is the statute of limitations: the legal deadline for filing suit. Beware; Local utility services are often non-profit agencies, and some have policies against allowing new services to individuals who have defaulted in the past. In other words, if you don't pay it, don't be surprised if they refuse you service in the future.
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