In general,
Quote Quoting Florida Statutes, Sec. 95.031(1)
A cause of action accrues when the last element constituting the cause of action occurs. For the purposes of this chapter, the last element constituting a cause of action on an obligation or liability founded on a negotiable or nonnegotiable note payable on demand or after date with no specific maturity date specified in the note, and the last element constituting a cause of action against any endorser, guarantor, or other person secondarily liable on any such obligation or liability founded on any such note, is the first written demand for payment, notwithstanding that the endorser, guarantor, or other person secondarily liable has executed a separate writing evidencing such liability.
If you do anything that makes a cause of action "accrue", you should assume that it will reset the statute of limitations.

You can check your records to see when you last paid a debt. You can try to get records from the creditor. A credit report contains hearsay, so don't expect to get very far arguing in court based on dates it contains.

You can try to negotiate with a creditor over an expired debt, or tell them that it can't be collected and to stop contacting you.

A separate limitations period (normally seven years) applies to the reporting of credit information.