Had financial difficulties in 99/00. Owed Household 15K. It was charge off in 01/00. Household sold to Asset AC and they report 20K owed on CRA. It is past the SOL in PA.
Problem is for military clearance I have to list debts as it will show on CRA when they pull report which will be before 01/07. If I pay AAC now, it will screw me for 7 more years. I am not legally liable but they are not reporting a charge off at 0 balance like Household. (I would have no problem, then). They are reporting as if it was never charge off and I owe the 20K.