@Cooki844 wrote:I
Any recommendations welcomed.
I have a BOA charged off credit card
Date of last Deliquency reported as Aug and May 2010 diff CA
Balance 0
Condition CLOSED
Closed
STATUS CHARGE OFF, CHARGED OFF AS BAD DEBT, UNPAID BALANCE REPORTED AS A LOSS BY CREDITOR , COLLECTIONS
HIGH BALANCE 2550
Credit limit 0
Balance 0
I have not been contacted by Collections agency
I am cleaning up credit and and debts
Possible mortgage FHA loan in next 6 months
Should I call BOA and offer a settlement or just wait till I am contacted by a CO
Thanks
You cant offer BoA a settlement looks like they sold the debt, its showing 0 balance owed. You can call and ask who they sold it to. Mortgage pulls will bring them to the table along with anyone else who can still report to your CRs.
