I have never made a payment to this account. I belive the SOL is not expired but the dates on my credit report are list as:

TransUnion

Date Assigned 11/01/2004

Date Reported 01/04/2005

Date Last Active Not Reported

 

Experian

Date Assigned 11/01/2004

Date Reported Not Reported

Date Last Active Not Reported

Equifax

Date Assigned 11/01/2004

Date Reported 01/01/2005

Date Last Active 05/01/2004

 

Sorry if I have made a mistake in reading my report, the above information is copied directly from the three reports I obtained here.

Yes I have the ablitiy to PIF today.