Hey all, and pardon me in advance for my ignorance.
Long long time lurker, minimal poster.
I have a U.S. Bank C/O which was charged off in 12/2011.
On myfico it only shows my payment history back to 1/2010, in which it hasn't been paid. I left US BANK I'm sure in 2008/early2009 when I advanced my Career and switched to USAA.
My credit reports show an estimated "Fall Off" date as May 2016 for one bureau and July 2016 for another.
My question is, if the first date of delinquency is in fact within, 2009, with Nevada having a 6 year SOL, Shouldn't it be falling off of my reports this year in 2015?
I've been gearing up for a mortgage in early 2016 and going over my credit reports this was brought back up to my attention. Should I contact the OC and get the exact DOFD? The Credit bureaus? myFICO only goes back to 1/2010 and my last payment was before that date.
Any responses are appreciated.
