Need assistance with BofA

[ntaltham]

     Hello, I am new here so please excuse me if I am writing this in the wrong spot. I am having some difficulty with an old BoA credit card. I recently checked my credit report after a year or two. I opened the credit card in 2003. I closed it August of 2009 and paid the remaining balence. I had been laid off and wanted to make sure I didnt have a credit card I could not pay. Low and behold on my credit report, it does list the account as closed for 7 months, then it goes into late payments, then ND, then OK, then closed two more times. I contacted BoA immediatly and was passed around for almost 2 hours on the phone. No one could tell me anything. They said the account was too old. I disputed this online and all I recieved back to experian was "remains". I contacted experian and was told that BoA has to verify the debt in order for them to keep putting it on my credit report. Im so frustrated and discouraged. Does anyone have any advice, Id greatly appreciate it. Thank you

[Shogun]

The problem with these types of disputes usually fall to eOscar.  The automated system for dealing with disputes.   More often than not, it just gets sanitized in its processing and gets verified.

If it is showing late payments after you paid it off, then this is incorrect reporting.  I would file a direct dispute with BoA and thereby bypass the eOscar system.  

Take a look at the link below.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Direct-dispute/td-p/2309095

[ntaltham]

Thank you for responding. I also cannot even get the account number for my letter. I only have the partial from my credit report. If they cannot access my account I am not sure how they can verify the debt. You would recommend the dispute rather than the deby verification? Also, do I need any proof for a dispute? I dont have any unfortunatly other than the report saying my account was closed three seperate times. I find all of this so confusing. I am hopeful I can fix it somehow.

Thank you

[Shogun]

Yes, a direct dispute would be the way to go.  You wouldn't do a DV because that is for Collection Agencies, not the Original Creditors such as BoA in this case.  

[ntaltham]

Thank you