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I have this BOA CO (unpaid) which i called BOA about. i was told that since a 1099C has been issued with regards to the account theres nothing they can do again. how do i go about removing this TL from my credit report?
thanks!
It will remain until it becomes excluded no later than 7 years plus 180 days from the DOFD on the account.
Cancellation of the debt means it is discharged, but status of the debt, unpaid or discharged, has not bearing on exclusion or deletion of derogs reported on the account.
Any removal earlier than the statutory credit report exclusion period would be voluntary on the part of the creditor.
Your approach would be to send them a request for their godd-will deletion.