Yes. The account should report the DLA (date of last activity) charge offs are normally 6 months after the last payment was made. It sounds like you need some credit help. Many collection agencies try to re-age the debt to keep it on a consumers credit report longer. This is a violation of the FDCPA (Fair Debt Collections Practices Act). You can actually sue a collection agency if you have proof of the variation of DLA. I am in the business of dealing with issues just like yours.
Best of Luck;
CEO & SR Credit Repair Specialist at
Everlasting Credit Repair
Ex-Mortgage Broker of 10+ years
We also have DIY Packages available.