how do i determine what the REAL sol date is ...if i have a cc...that i have maxed out and have been paying only 25.00 a month on for 6-9 months...how do i find out what the LEGAL default date is..i was told that that is what determines the beginning date to determine sol...im having trouble understanding sol...been to ys website..still confused..is it when you still have a useable cc not maxed out and have gone over the cr. limit..or been late, or any other reason that the original cc could have called the cc due in full...or is it when i stopped paying the min. due...or is it when i stopped paying all together...tks v