Ok.....but you paid First Premier.....not the CA. Unless they sent your payment the the CA, the CA has no authority over it.
The collection dept
should have the notation of exactly when you paid it off.
And yes.......unfortunately, they can report the CO every month.
BUT.....and here is the good news..... the payment you made does not reset the SOL.
SOL on a CO starts the month of your first 30 day late. Unless the company took it out of charge off status and re-aged the acct so that you could bring the account current (which I know they didn't), the SOL should not change.
So, since the acct was charged off in 2003, it should be falling off in 2010.
If there are discrepancies in the dates (with the CRAs) you need to address that. Find out what the CRAs are reporting as the date of first delinquency (DOFD). If you can't tell by looking on your reports, call them up and ask what they have listed as the DOFD or the FCRA compliance date.
If it was charged off/written off in Dec 2003......then the date should be somewhere around June 2003 (they
usually wait about 6 months).
HTH...
See what you find out and keep me posted!
