topic Re: Bad Payment History in General Credit Topics

Bad Payment History

Anonymous — Thu, 17 May 2007 16:04:01 GMT

My credit score is taking a hit right now because of a "Collection" reported by Bank of America from a couple of years ago. The account was a joint account held by my mother and I, but used by my mother. She fell ill several years ago and was in an out of the hospital, and eventually passed away. After her passing, I found out about the delinquencies to this account and immediately paid it off.

Now my question is, the account still shows up under my credit. Is there anything I can do to have it removed? Would a GW letter be my best option or is there something else I can do.

Also, I can't seem to locate any information on how to get in touch with BOA to try to take care of this.

Any help would be appreciated. Thanks.

Re: Bad Payment History

Anonymous — Thu, 17 May 2007 16:06:28 GMT

You can try a GW letter explaining the situation; it never hurts to try. But since it's a joint account, you're just as legally responsible yourself.

Re: Bad Payment History

Kevin5974 — Thu, 17 May 2007 17:02:11 GMT

TRY DISPUTING THRU THE CREDIT BUREAUS WITH THE COMMENTS THAT IT WAS YOUR MOTHERS ACCOUNT AND SHE HAD PUT U AS AN AUTHORIZED USED AND THAT U DIDN'T USE THE ACCT. THEY MAY REMOVE THE ACCT COMPLETELY

Re: Bad Payment History

Tuscani — Thu, 17 May 2007 17:49:52 GMT

Here is the ex letter: http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661

Re: Bad Payment History

Tuscani — Thu, 17 May 2007 17:50:14 GMT

Kevin5974 wrote:
TRY DISPUTING THRU THE CREDIT BUREAUS WITH THE COMMENTS THAT IT WAS YOUR MOTHERS ACCOUNT AND SHE HAD PUT U AS AN AUTHORIZED USED AND THAT U DIDN'T USE THE ACCT. THEY MAY REMOVE THE ACCT COMPLETELY

Kindly refrain from posting in all caps please. Thanks!