topic Re: PIF BoA charge off in Rebuilding Your Credit

PIF BoA charge off

Anonymous — Thu, 07 Jul 2016 13:28:53 GMT

So I just paid in full my last baddie on my report that was doing serious damage as it was a charge off cc revolving. I tried to talk them into deleting that was a no go. I tried see if the can take out the late payments that was a no go. Well I paid the whole bill off and finally maybe I can see score go up. My question is what are my steps after I have paid this to have this removed somehow.

Re: PIF BoA charge off

Anonymous — Thu, 07 Jul 2016 13:42:39 GMT

You should have tried to call them first and work something out. Now you dont really have a leverage to ask them for PIF. Maybe you can send them a GW letter letting them know your intentions and what you wanted. Sorry about this! Try to talk to someone else, sometimes you just need to get lucky who you talk to, but then if they already notated your account for alot of calls then you maybe SOL on calling so we'll have to do it in slower process.

Re: PIF BoA charge off

Anonymous — Thu, 07 Jul 2016 13:47:18 GMT

I did I tried 2 times they did not budge. I guess it's gw letters now?

Re: PIF BoA charge off

AutoBot — Thu, 07 Jul 2016 13:51:10 GMT

@Anonymous wrote:
I did I tried 2 times they did not budge. I guess it's gw letters now?

Looks like your only option at this point.

Re: PIF BoA charge off

RobertEG — Thu, 07 Jul 2016 17:21:22 GMT

Call someone in upper management, and use the arguement that reporting of a charge-off is their reporting of the determination that you are not going to pay the debt.

By having paid the debt, you have shown that you are, in fact, a consumer who meets their financial obligation when able, and not one who stiffs a debt.

Continued inclusion of a charge-off in your credit report thus does not accurately reflect upon you as a consumer.

Thus, deletion of that reporting is considered to be more accurate than its continued showing.

Re: PIF BoA charge off

Anonymous — Thu, 07 Jul 2016 18:12:25 GMT

Sounds good now how do I get into contact with a higher up? Ask for a supervisor?

Re: PIF BoA charge off

RobertEG — Thu, 07 Jul 2016 18:26:25 GMT

Hopefully, someone here on the forum can provide a contact that they have used......

Re: PIF BoA charge off

RonM21 — Fri, 08 Jul 2016 02:49:47 GMT

I agree, try someone higher up, but if not all you can do is try the GW letters, as you have nothing to lose. Someone there just may budge.