Credit Card Center Advertiser Disclosure

Posts: 8
Registered: ‎10-29-2013
0 Kudos

Can someone help me interpret my SOL

Below is the listing from Equifax. In Delaware SOL is 3 years. Am I out of the SOL? Date of First Delinquency is 9/2010 but date of last payment is listed as 2/2011


549035599918XXXX Current Status: CHARGE-OFF

Account Owner: Individual Account. High Credit:

Type of Account : Revolving Credit Limit: $ 0

Term Duration: Terms Frequency: Monthly (due every


Date Opened: 10/22/2009 Balance: $ 0

Date Reported: 07/24/2013 Amount Past Due:

Date of Last Payment: 02/2011 Actual Payment Amount:

Scheduled Payment Amount: Date of Last Activity: N/A

Date Major Delinquency First Reported: 06/2011 Months Reviewed: 45

Creditor Classification: Activity Description: Transfer/Sold

Charge Off Amount: $ 2,746 Deferred Payment Start Date:

Balloon Payment Amount: Balloon Payment Date:

Date Closed: Type of Loan: Credit Card

Date of First Delinquency: 09/2010

Comments: Account closed at consumers



Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2013 CO  CO CO  CO CO   CO

2012  *      *      *      *     *    CO CO  CO  CO  CO CO  CO

2011 60   90    90 120 150 150 180  *       *      *     *      *

2010  *      *      *      *     *       *     *     *    30    60   60   60

Starting Scores (Aug. 17) Exp. 527 EQ. 481 TU 475
Current Scores (Oct. 17) Exp. 587 EQ. 529 TU 544
Goal Scores (April 18) Exp. 710 EQ. 700 TU 690
Valued Contributor
Posts: 2,292
Registered: ‎10-23-2007
0 Kudos

Re: Can someone help me interpret my SOL

Based on DOFD you are past SOL, from what i understand SOL is calculated by DOFD.

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Regular Contributor
Posts: 187
Registered: ‎07-06-2013
0 Kudos

Re: Can someone help me interpret my SOL

It depends on state statute - payments reset SOL in my state.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.