What is the SOL of your state, and like llecs asked, what's the DoFD? I'd say, judging by the DOLA, the DoFD would be July 2008 or before, but don't hold me to that. That would make the debt at least 5 years old.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Absolutely Scott, I was judging that by the DOLA, the DOFD would have to be July 2008 or before, but don't hold me to that. I've seen stranger things. I advise you to pull your CRs from annualcreditreport.com or straight from the CRAs so you get the full picture, and make sure there's nothing different from, say, a 3rd party report.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
My detective skills are still working. So you have a 5 year old debt, and from what you said earlier, it's past the SOL of your state, so no judgement should be levied against you. However, it is still within the CRTP and can remain on your CR. The time frame for that is 7 years+180 days from the DoFD.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.