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Uknown payment history on charge off account
So on my credit report I have a charge off from university of phoenix (5k). My credit report ( only on Equifax , never reported to trans) shows unknown payment history starting from January 2010 and an actually charge off remark starting on July 2012. Details from date of last payment say May 2011. All of these dates are really confusing. My hope is the 7year and 180day countdown starts from January of 2010 so I would only have about a year left , but I am uncertain. I have done research regarding unknown payment remarks on charge offs but no success.

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