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Calculating SOL on cc debt.

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Credit Report shows CHARGEOFF on credit card reported 9/02. Last Activity reported (last payment made) 8/97. My state's SOL on Open Accts is 6 years. Am I past the SOL yet?

I figured 9/03 would be the sixth year, but I've read post that indicate year 1 would be 8/97 (not 8/98) - which makes any date past 9/02 as 'not within' or over 6 years. The CHARGE OFF date also leads me to believe that 8/97 is year 1.

I'm not concern with getting it off my credit report, but rather being able to use SOL as a defense for a possible judgement against me.

Any thoughts would be appreciated.

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