My fiance has a checkered credit history due to layoffs. She has 8 charged-off credit cards, with most major card issuers, none of which has above a $2,000 charge-off balance.
The date that she last paid any creditor was March, 2008.
We are in Washington state. The Statute of Limitations on Open Accounts in WA is 3 years.
However, my research is unclear when this begins.