Reply
Contributor
Posts: 98
Registered: ‎08-09-2007
0

Need Bank of America address

I filed Chapter 7 in March 2009...I reaffirmed in writing with Bank of America on the mortgage and have been paying ever since my BK was  discharged in mid 2009.  I contacted BOA after that and was told my account was reporting as current and all was good. I got sick and have not followed up until now.

 

Today, I pulled a three bureau report from TC.com and found out the following information.

 

Trans Union - no reporting information shows at all for this mortgage account.

 

Experian - account is showing as last reported on 2/28/11. Monthly payment amount does not show up and is blank. It does list correct high balance, term, date opened, and joint with my husband. The remarks column says "Debt included in or discharged through bankrupty Chapter 7, 11, or 12".  Obviously, this is NOT accurate as I reaffirmed and the status has not reported in over a year and this needs to be corrected. 

 

Equifax - account show last reported 1/20/12. Monthly payment amount does not show up and is listed as -0-. It does not list any balance but does list correct date opened and joint with my husband. The remarks column says "Bankrupty Chapter 7,  Real Estate Mortgage Included in Bankrupty. This too is NOT accurate as I reaffirmed,

 

I have contacted BOA at least three times about this. I have even disputed it with the CB and they keep coming back saying the same thing. The information they are reporting EVERY month to all three bureaus says the account is current and that is how it should be reporting on my account.  

 

I need this account to reprot accurately and I am at wit's end ........Any suggestions?

 

Thanks!!!

 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.