Don't confuse SOL with CRTP.
SOL, in terms of credit repair, is set by state law and is the time frame a creditor has to sue you for an unpaid debt. SOL varies by state and is generally 3 to 15 years depending on where you live and the debt type. SOL has nothing to do whatsoever with reporting. The SOL clock can stop due to various factors like moving out of state or being incarcerated, but in some cases the SOL clock can restart if a payment is made on a debt, an acknowledgment is made on the debt, or even if a written promise to pay is made. Even if SOL expired, in some states years later, the SOL clock can restart once again, even if decades have passed. YMMV on your state and your state's laws. The initial basis for the SOL clock starting is the DOFD of a debt.
Unlike SOL, CRTP cannot restart. CRTP is the 7-7.5 year credit reporting time period and is set by Federal law via the Fair Credit Reporting Act. A payment, a promise to pay, a debt resell, or whatever cannot restart that 7-7.5 yr clock. The clock starts ticking at the DOFD of the debt.
In your post, you need to find the DOFD. DOLA won't work. DOFD will preceed DOLA. If you are wanting to know about CRTP as opposed to SOL, then add 7-7.5 yrs from the DOFD and you'll have an idea of when it drops. If you pull your full EQ report from Equifax.com or annualcreditreport, you can find the DOFD. TU and EX reports do not show the DOFD, but you can find an est. drop off date if you pull directly from the CRAs or annualcreditreport.com.
