I'm stumped. I'm not so sure what is the right answer. I'll do some Googling and get back to you if I bump into an good answer. You should email the people at Discover Card as they probably could give you an answer..

I agree with Jtoast..

Your next step should be to go to annualcreditreport.com and get FREE hard copies of all three of your credit reports. Review them to see what is reported. After you know what is reported come back here and post your questions. There are many experts here who can help you determine the actions necessary to clean up your reports...

Okay I went and got my credit reports, it shows the Bank of America card as purchased by another lender, and obviously it shows as a negative account. I tried disputing it in the past but got no where. I figured since the company that purchased the debt couldn't provide the proof of the debt, that this could be taken off my credit report...

You need to contact the court clerk and find out how your case was dismissed. If it was dismissed without prejudice then the debt may still be considered valid..

How old is this debt? Is it in or out of SOL?..

Copied directly from Experian:.

Status:.

Transferred,closed. $1,969 written off..

Date Opened:.

01/2005.

Date of Status:.

10/2008.

Reported Since:.

08/2005.

Last Reported Date:.

10/2008.

Type:.

Revolving.

Terms:.

N/A.

Monthly Payment:.

$0.

Responsibility:.

Individual.

Credit Limit:.

N/A.

High Balance:.

$2,998.

Recent Balance:.

N/A.

Recent Payment:.

N/A.

Creditor's Statement:.

Purchased by another lender..

Account History:.

Charge Off as of May 2008.

180 days past due as of Mar 2006 to May 2006.

150 days past due as of Feb 2006.

120 days past due as of Jan 2006.

90 days past due as of Dec 2005.

60 days past due as of Nov 2005.

30 days past due as of Oct 2005.

Balance History:.

05/2008 $2,966.

04/2008 $2,998.

Limit High Balance History:.

Between May 2008 and May 2008, your credit limit/high balance was $0.

Between Apr 2008 and Apr 2008, your credit limit/high balance was $2,000..

The dates on your CR may or may not be accurate. When was the Date of First Delinquency on these accounts? Depending on your state, thats either the date of your last payment or the date it was declared past due...

I'm not sure, do you know how I could find that information out? The last time I tried contacting BofA they didn't have any record of my account...

You need to get verification of the debt from the third-party collector that now owns your debt. In your request, you need to specifically ask what the date of first delinquency is. The date of first delinquency usually starts the Statute of Limitations. Once the Statute of Limitations has expired, the debt collector/creditor can no longer file a claim against you. For example, in Texas, a debt collector/creditor only has four years from the date of the first delinquency to file suit. I would advise you to find out what the Statute of Limitations is for your particular state...

I haven't found out the date yet but I did find this website that says it is three years for South Carolina..

Statute of limitations.

I'm pretty sure it was late 2005 when it was first delinquent. I plan on making some phone calls later this afternoon...

Reliable SOL info is here.

Http://whychat.5u.co...tes/states.html.

Somebody has the "cause of action" for SC - it is different in some states. i.e. VA is last charge or payment..

SC code:.

Http://creditboards.com/forums/index.php?s...st&p=513515.

Partial payment or written promise to pay tolls the SOL...

I spoke to my attorney and he told me that when everything is finished (the dismissal of the case), that I will be able to have everything removed. Do you think he is correct? I wouldn't normally question him, but he is a good friend and sometimes he doesn't pay a lot of attention to what I'm trying to say, especially why he is at work and since I don't have to pay him...

Again, the key is...was it dismissed with or without prejudice....that is a big part of your question...