I see now what an FOAD is (a little embarassed now for asking!)
As far as DOLA, it's hard for me to tell because the TL in questions already aged off my CRs (noted in previous thread). I checked an old TU report and it says the TL is due to fall of in 11/2007, how do I determine the DOLA from that?
Also, is the SOL based on the state the credit was original acquired, or current state of residence?
Was this a paid or unpaid collection (or CO)? If you made ANY payment, this can reset the legal SOL. Which states are involved? A CA can use either state, but you can bet they will use the state with the longer SOL.