GW with BoA - Advice

[Anonymous]

Hello

I have a credit account with Bank of America that was closed in 7/2009 due to subsequent late payments - 30 days, 60 days, 30, 30, 30 from July - Nov of '09.  From what I've read, BoA generally isn't as lenient as other financial instituions in awarding good will removals but I would like to try anyways.

Firstly, should my good will letter be requesting that my late payments be adjusted or that the entire tradeline be removed?  The Fair Credit Reporting Act requires that they report fairly and accurately, so how is a financial institution able to simply change the status of a payment?

Secondly, since it's less likely for BoA to adjust multiple late payments, would I be better off having the tradeline removed altogether anyways?  Having the tradeline removed can hurt my FICO due to the decrease in AAoA, but having the multiple late payments dissapear certainly must offset this, right?

-Eugene

[Anonymous]

BoA isn't a fan of goodwill. Once the accounts have been purged from their system you may have some luck.

I recall a thread where someone had luck with one 30 day late removal.

I had luck with an account deletion but it had already been purged (5 yrs, 6 months) and there would have been no way for verification or research.