I am trying to rebuild my credit. I have "baddies":
1. A Federal Lien released in 2008 that I have filed irs form 12277 to withdrawal the lien. I filed 2 weeks ago and don't expect to hear back for at least another few weeks
2. Boa credit card. I was delinquent to the point that they cancelled it. Due to finance charges i ended up with a balance of 1400 dollars which was 400 over my 1000 limit. I settled with boa for their offer of 798 dollars in 2011/ jan 2012. I am a boa cstrustomer and have had my checking and savings accounts with them since 2006. I sent a secured email through my account and got nowhere. Then i sent an email to a bank bigwig. Someone from the bank left a voicemail 2 days ago wanting to discuss it. I am not sure what my strate gy should be. I just left her a voicemail explaining my situation. I offered to pay more than i have towards it to get it removed. I don't think it is worth it to me to pay 500 more to get this item removed from my credit reports but i would be willing to pay like 100. i explained that I am trying to get a job in the financial industry and that this negative item that is already settled basically is standing between me and a better job. I am going to try to appeal to the banks' goodwill to help me. Although I have been a customer I haven't been a great one. I have had several bounced checks and overdrafts etc but hopefully that won't matter. My question is, Is this a viable strategy I am pursuing and can it be successful?. I believe that since we already legally settled, I am not opening a legal can of worms by revisiting this issue. Thanks in advance for any advice....
