I have a credit account on my CR that is reporting as a charge off. On the other hand, I am getting calls and letters from NCO regarding it. I looked on the web and found that the SOL for NC is 3 years on open accounts. Also on my CR, it is showing 30 days late as of OCT 2003, so wouldn't it be out of the SOL in OCT 2006?? If so, will I be able to get it to change anything on my CR or will it still affect my credit?? Also, need help with fixing a letter for NCO to get them to stop harassing me...HELP......