The way I always start is knowing what the DoFD on the OC account.
Then find out if this account is within or passed the states SOL.
Just remember, SOL has nothing to do with CR's.
It's the time peroid a Creditor can sue and win.
What you said +1,000.000
What state are you in??? What is the state SOL???
I would have to say it was defaulted on in 2007 or 2008. Point is she wants to pay it but the CR is a disgrace because they are all not updated properly