topic Re: BOA charge off in Rebuilding Your Credit

BOA charge off

Nmghjg — Tue, 17 Oct 2023 23:36:23 GMT

Has anyone had a Bank of America charge off report to transunion or only Experian?

It’s super old but I’m having trouble getting my transunion report to check. It’s off of Equifax and I was able to get it off Experian by calling.

Re: BOA charge off

911gt34life — Wed, 18 Oct 2023 02:43:27 GMT

How old is this account ? With early exclusion, easily deleted, depending on the age of account

Re: BOA charge off

Aspireto850 — Wed, 18 Oct 2023 03:21:17 GMT

I have BOA co that is only reporting in Experian. I have tried literally everything to get removed but no luck. Eligible for EE in January 🤞🏼

Re: BOA charge off

FireMedic1 — Wed, 18 Oct 2023 09:20:03 GMT

@NmghjgIf its past the 7yr reporting period. You can dispute it. Its 7 yrs yrs from the first 30 day late that led to charge off status.

Re: BOA charge off

Nmghjg — Wed, 18 Oct 2023 16:16:43 GMT

It was going to be 7 years in January but the first person I talked to at Experian told me the earliest she could do it was December. I called right back and talked to someone new and they took it right off.

Re: BOA charge off

Nmghjg — Wed, 18 Oct 2023 16:18:05 GMT

Update. It was on transunion but I was able to get it off there as well. Oddly enough it's first 30 day late payment has different start dates for them all.

Re: BOA charge off

FireMedic1 — Wed, 18 Oct 2023 21:54:01 GMT

Congrats