cancel
Showing results for 
Search instead for 
Did you mean: 

BOA Headache.......

tag
prolificjinx23
Frequent Contributor

BOA Headache.......

I'm about to lose my mind dealing with BOA. I quit sending them GW's for removal... They have no heart!!! I have now settled to blatantly HARRASSING them to get 3 lates they've posted to my credit. The account charged off on 10/18/2008 but they have put lates on my CR's for 09/10, 01/11 & 04/11 which is making me crazy because they know that's incorrect especially since the debt has been PAID!!!! Smiley Mad

 

I don't know what to do now. I sent 18 letters to different names & addresses but no one has responded. What do I do next???? PLEASE HELP!!!!!!!

Starting Scores: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Scores: FICO 08's as of 12/12/2019: EQ 584, TU 702, EX 631
Goal Scores: ABOVE 800 ALL 3
Current Cards: CapOne QS1 $500, Walmart SC $500, Discover It $750, Amazon Prime SC $900, CareCredit $2,000, NFCU CashRewards $10,000 and NOT APPING until 04/2020....


Take the myFICO Fitness Challenge
Message 1 of 9
8 REPLIES 8
bruiseviolet
Frequent Contributor

Re: BOA Headache.......

Good luck with that.  They are one of the crappiest companies.  Any company who goes so far as to forge mortgage documents can kiss my keester.

Message 2 of 9
Booner72
Senior Contributor

Re: BOA Headache.......

Wouldn't that be a reason to dispute the incorrect info w/ the CRA since they won't deal with you directly?

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 3 of 9
prolificjinx23
Frequent Contributor

Re: BOA Headache.......

Booner,

 

At times I get soooo frustrated with them I could just go postal!!! & Unfortunately the only thing I get from the CRA's is BS on how BOA is the only one that can update the incorrect info even though I've faxed them letters from BOA execs showing the C/O date & pointing out the discrepencies in the way they're reporting. 

Starting Scores: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Scores: FICO 08's as of 12/12/2019: EQ 584, TU 702, EX 631
Goal Scores: ABOVE 800 ALL 3
Current Cards: CapOne QS1 $500, Walmart SC $500, Discover It $750, Amazon Prime SC $900, CareCredit $2,000, NFCU CashRewards $10,000 and NOT APPING until 04/2020....


Take the myFICO Fitness Challenge
Message 4 of 9
Booner72
Senior Contributor

Re: BOA Headache.......

The FCRA says that info has to be corrected or deleted.  Have you brought that up to the CRA?  (I'm sure you have).

 

how frustrating!!!

 

Keep at it - don't let them win this one.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 5 of 9
Loques
Regular Contributor

Re: BOA Headache.......

Argue the incorrect information with the CRA. Like a PP said, it has to be corrected or deleted. I've sent many unsuccessful letters to BoA in the past - but if you are correct, they will have to fix what is being reported.

Current Score (11/2020): EQ: 753 | TU: 731 | EX: 749---Starting Score (3/2010): EQ: 522 | TU: 525 | EX: 520---Goal: All 3 FICO 800+
--------------------
Message 6 of 9
prolificjinx23
Frequent Contributor

Re: BOA Headache.......

After fighting every day with EQ they decided to delete 3 lates that were incorrectly being reported on 09/10, 01/11 & 04/11..... Tears of JOY came running down my face!!!!!!! Thanks guys for ur help & for having my back!!!!  Smiley Very Happy

Starting Scores: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Scores: FICO 08's as of 12/12/2019: EQ 584, TU 702, EX 631
Goal Scores: ABOVE 800 ALL 3
Current Cards: CapOne QS1 $500, Walmart SC $500, Discover It $750, Amazon Prime SC $900, CareCredit $2,000, NFCU CashRewards $10,000 and NOT APPING until 04/2020....


Take the myFICO Fitness Challenge
Message 7 of 9
Loques
Regular Contributor

Re: BOA Headache.......

Glad to hear it!

Current Score (11/2020): EQ: 753 | TU: 731 | EX: 749---Starting Score (3/2010): EQ: 522 | TU: 525 | EX: 520---Goal: All 3 FICO 800+
--------------------
Message 8 of 9
prolificjinx23
Frequent Contributor

Re: BOA Headache.......

**** CORRECTION ON MY LAST UPDATE!!!!!!!! ****

 

I pulled EQ to check on what they deleted & it looked as though they had only deleted 01/11 & 04/11 NOT 09/10 SOOOOOO I called them back to have them correct that one too & the gentleman noticed that they were reporting a late on 12/08 which was incorrect since the charge off was 10/08 & he went ahead & put in a request to delete that one too & to reflect that it's a PAID charge off!!!!!!!

 

That's a total of 4 lates 12/08, 09/10, 01/11 & 04/11!!!!!!!!!!!!!!!

Starting Scores: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Scores: FICO 08's as of 12/12/2019: EQ 584, TU 702, EX 631
Goal Scores: ABOVE 800 ALL 3
Current Cards: CapOne QS1 $500, Walmart SC $500, Discover It $750, Amazon Prime SC $900, CareCredit $2,000, NFCU CashRewards $10,000 and NOT APPING until 04/2020....


Take the myFICO Fitness Challenge
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.