I wanted to pay it off and settle that right away. I called the CA about it and they said the CO has closed the account and I would have to talk to them directly. A friend of mine warned me about CO suing me if I contacted them. I left it for a while, but I am desperate to fix my credit and need advise. I pulled latest report from Experion and here is what it says: Status: Transferred,closed/Past due 30 days. $2,797 written off. Date Opened: 06/2001 Date of Status: 04/2005 Reported Since: 06/2001 Last Reported Date: 08/2005 Type: Installment Terms: N/A Monthly Payment: $0 Responsibility: Individual Credit Limit: $2,500 High Balance: $2,797 Recent Balance: N/A Recent Payment: N/A Account History: Charge Off as of Mar 2005, Feb 2005, Jan 2005, Dec 2004, Nov 2004, Oct 2004, Sep 2004 30 days as of Aug 2005, Jun 2005, Apr 2005, Mar 2004 Is my DOFD the charge off date ? It should be somewhere around 06/2002 from what I understand. Also, Which state SOL apply to me? CA or IL ? The last line from Experian report freaked me a little where they are quoting March 2005 as charge off....How long would this stay on my credit card? I also had no public items on my account as per Experian. Please advise me on how to deal with this. Thanks for your attention and help.