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In 2013 I had a 30/60 late payment(s) on a home equity line of credit. Prior to that I had several 30 day lates on that account. In May of this year the debt was paid by my stepmother and refinanced in her name only. I was the primary borrower on the old account. I tried contacting Bank of America two years ago to remove the lates but they would not do it. I have 120day lates and chargeoffs falling off this year. Do I have any recourse at this time to remove the lates? My only other recent blemish is a 2012 30-day late utility payment. My scores are 698 EX, 700 TU, 711 EQ (Fico 9). I'm in the process of buying a house this year and was preapproved for a VA loan.
The only recourse is to kick your good-will request up to a higher management level, and hope for sympathy at that level.