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