I have a BoA CC that first became delinquent in Nov 07, and remained delinquent until Jun 08 when I paid it completely off (plus a gazillion dollars in fees). From Jul - Dec 08 they reported paid as agreed, then in Dec 08 they closed the account. At this point I'm kicking myself for not letting it go to collections, because it seems like I re-aged the account by paying it off. When should I expect this to come off? I'm assuming Nov 07 is no longer the DOFD since the account was brought current after that, is that right?
