My BK was d/c 10-07 and in checking my EQ report, there is a cc listed from BofA. I never had a card with BofA, but I did have one with MBNA.
Should I simply call the number on the report and ask them to change the status, remove it completely, or ???
Really new to this, and want to get re-established.
Yes, this is your previous MBNA card, now BoA.
Does the cc report an unpaid balance owed? This account will continue to report till 7 years from DOFD. Chances are slim they would remove it.
It should show in remarks/comments: INCLUDED IN BANKRUPTCY and the status as Charge Off and balance $0. But it most likely will have a "High Balance" amount reported. If this is how it reports, then there is nothing you can dispute. You could attempt a GW letter but it is unlikely they would GW a BK account.
You can legally offer to pay/settle the account voluntarily (they cannot ask, but you can offer) to do a PFD. Possibly you could get some type of settle for less than owed PFD.
The account is not listed as IIB, it simply says CO. I tried before to get it fixed through I think TU, but they declined to change it. How do I get it updated to say IIB?
I would think about PFD, but the balance shows well over $4k, and I simpky don;t have that kind of $$ sitting around.