CRA's reporting different DOLAs????

[ficobuddy]

I have an account that has a DOLA of 09/05 for TU and EX, and 02/04 for EQ? Which one do I go with?

My SOL is 4 years in my state, so I'm biting my nails on this one hoping it slides past the expiration time. As soon as the month/date comes to 09/09 am I in the clear (as far as being sued goes)? I know I still owe the money, but I would rather have the SOL in my favor before I went for a PFD.

When does a creditor generally send out a possible suit or "see you in court" letter to you if you are nearing the end of the SOL on a debt. It's a $1300 credit card. Do I have to wait the entire month of 09 to be over with and have it turn to 10/09 before I'm absolutely in the clear. Lastly when can I contact them to let then know the SOL has expired but I'm willing to PFD. Could I negotiate here on paying a certain amount? If so, how much is a good starting price in negotiating payment for deletion?

Sorry for all of the questions...any help is greatly appreciated!

Thanks in advance...

[LIGHTNIN]

SOL unually starts on the DOFD, not the DOLA.

But you're right. Its better passed the SO, if its with CA.

Who is this account with? 

Is this an OC or CA?

[ficobuddy]

This account is with the OC.

Thought DOLA was the actual date you could still be sued for the money owed, and DOFD is the statute of 7 years to have an item legally remain on your credit report.