Is this debt being reported on your CRs? If you cannot find the DOFD (and yes you are right - date of first missed payment/date of first delinquency in which your acct never again became current) in your records, then you can check your reports. If you do not see the date on your CRs, the CRAs will have it.....you can call them up and ask them.
SOL in Tx is 4 years so if it was 2005, you need to find that EXACT date to see if it is possibly out of SOL.
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