Just wanted to let you guys know: I sent a GW e-mail to Bank of America about two credit cards I had about 6 years ago. I was irresponsible when I was younger, and they ended up being a paid charge-off and a paid less than full.
I was super polite, owned up to my terrible mistakes, noted that I love BOA and that I've been a checking customer for over 10 years, and asked if it was possible if they could remove it early.
I received a voicemail that they were removing it from my CR. 
I'm not sure if they're removing both (and I don't know how long before it shows up on my CR), but it was unexpected so I'm incredibly pleased. I'm definitely staying a BOA customer for life.
This probably isn't a true case of goodwill. BoA's system appears to purge paid/closed account numbers somewhere around the 5.5 year mark. In other words; they would have no way to verify a full dispute.
Starting Score: 675Contact info: I searched on the Consumerist's site for BoA contact info. There's contact info there for how to reach Bank of America's CEO.
Accounts: The last activity on those accounts were Aug 2006 and July 2007, so you could be correct about the 5.5 year thing. Either way, I'm incredibly happy. 
@drkaje wrote:This probably isn't a true case of goodwill. BoA's system appears to purge paid/closed account numbers somewhere around the 5.5 year mark. In other words; they would have no way to verify a full dispute.
Does this theoretical 5.5 years start from the date of last activity or the date of first delinquency?
Starting Score: EQ 675 | TU 688 | EX 702