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The DLA generally indicates the last time a payment was made or the account was defaulted. The SOL for accounts before 1/98 relates to the DLA itself, SOL for accounts after 1/98 begin when the account is "charged off" (usually 180 days after DLA) and/or sent for collection.

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Q: What does 'last activity' mean when referring to the statute of limitations on credit reports?
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