B of A

[Mtgrizgirl]

So... I was reading this thread....  http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-to-Bank-of-America-worked/td-p/1335279/hig...

Has anyone recently had success with B of A?

I have an closed account from a CC that was CO twice, weird i know, but it also has 3 30days 2 60 days, 1 09 day, 2 120 days, 1 150 days and one 180 days, i really think i am screwed on this one.... especially from reading all the comments on other B of A posts. And its the same story I was young and stupid and didnt know any better, i could barely pay my own bills.. I what they asked me to pay, I am pretty sure I can get all my other negatives off my CR but this is the one i know I am going to have trouble with....

So the question goes.. does the 7 year go from first date of deliquent, or last pyament? (or seems B of A averages about 5.5yrs) 

[Mtgrizgirl]

From what I am reading and finding its Date of first Delinquincy.... This december will be the 5 year mark, I hope I have enough luck for them to consider removing it!

[LIGHTNIN]

Hi and Welcome to the forums,

With CO's it's 7.5 years from the DoFD. I havent heard of the 5 year removal.

 Good luck to you in December, I hope it works for you.