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Bank Of America Credit Reporting Error

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Any and all info is greatly needed and appreciated. The collection agency may have been checking to see if they had the right person - or maybe they want to try to collect. Is this a "simpler" bases for or reason I can point out to the bureaus, that will remove this wrongful account from my credit report or do I still need to Get your free Credit Score Calculators Card Offers Top Offers Best Credit Cards Credit Card Comparison Tools Guides PrivacyWise™ Credit Card Terms Glossary MY.CREDITCARDS.COM Sign In Sign Up ADVERTISEMENT Credit Cards Check This Out

That we didn't have to pay Nov, Dec,Jan. CONVERSATIONS Advertise RSS Careers FAQ User Agreement Privacy Comment Policy About Us About Our Ads Contact Us Archive Copyright © 2016 TheHuffingtonPost.com, Inc. "The Huffington Post" is a registered trademark It only applies specifically to satisfied judgments (5 years from the date file) and paid collections (5 years from date of last activity/date paid). Even though my income for the past 13 mos.

Bank Of America Credit Reporting Department Phone Number

You want to send it so the furnishers can't argue in court that the dispute they received was inadequate, he says. These ranges were not provided by any card issuer. I need this information before I can answer your question completely. A payment arrangement was made with the understanding that the collection action would not be made to my credit report.

I'd suggest you start there, and if you still have additional questions we will do our best to try to point you in the right direction. Collection accounts can be reported for 7 years + 180 days from the date you first fell behind with the original lender leading up to when it was placed for collection. All Rights Reserved. Bank Of America Credit Score Service It is crazy how hard this stuff is.

Have you tried talking to the collection agency to see if they will remove it given the circumstances? Bank Of America Credit Bureau Reporting AND THIS ACCOUNT WAS COMBINED WITH COM I THINK WORLD POINT BANK WAS COMBINED WITH BANK AMERICA TOOK OVER.WAS WAS WITH BANK AMERICA CREDIT ACCOUNT. .I NEVER SIGNED UP FOR ON I filed dispute with 3 credit report agents online. Reply JCC says: February 23, 2014 at 12:19 am I have a credit card listed on my Equifax report that is NOT MINE.

Reply Susan Woody says: March 30, 2014 at 1:24 am I would like to know this as well. Bank Of America Credit Card Score Needed There was a billing issue for some reason and I was contacted again. There can be a big difference between how water, electric are regulated. Any ideas as to how I should proceed?

Bank Of America Credit Bureau Reporting

The original credit card holder called B of A to ensure I was not on the card. When we got a letter from Bank of American by July, we realized that we have got bills piled up unpaid over the months and penalty bill and late fees with Bank Of America Credit Reporting Department Phone Number We'll delete your name, e-mail address, and any other identifying information, including details about your investments. Bank Of America False Credit Reporting Is your correct address listed?

In the case of collection accounts, since federal law only allows them to be reported for 7.5 years from the date you first fell behind with the original creditor, you don't his comment is here Make sure you receive a reply. So you may want to rethink that. I am not an attorney, though, so it certainly doesn't hurt to talk with one. Bank Of America Credit Score Report

All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management. Pingback: The 5 Most Confusing Things on Your Credit Report | OTF Mortgage News by Dan Russell() milbla How can you make the credit reporting agency live up to state To help you through the dispute process, Credit.com offers two excellent resources that outline everything you need to know in order to dispute the errors and have them corrected: • A http://sovidi.com/bank-of/bank-of-america-credit-report-error.php I have read about it here http://consolidatedebtsloans.com/bank-of-america-loan-modifications-in-arisona/ fausto412 Jan. 11, 2011, 10:09 a.m.

I noticed this on my credit report in 2010 (I was deployed to Iraq throughout 2009) and paid the bill immediately. Bank Of America Credit Monitoring I'm using my other cards and they are never late, and rarely if ever over 10% of the limit.So OK, I'll use it the other one. By the time I realized what had happened, I had a 60-day-late payment and a 100 point drop in my credit score.

You'll need to be able to prove in court that you gave the credit bureau enough information to examine your case and conclude that the error is legitimate, say experts.

In arbitration, your complaint will be handled by an individual arbitrator, appointed from an arbitration association chosen by the credit bureau, and it will be solely up to the arbitrator to I don't want to get rid of the system but i do want it revamped, and to provide more weight to payment history than revolving credit. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. Free Credit Report One last word regarding short-sales vs.

The Minneapolis Star-Tribune reported in August that the bank signed up a Minnesota couple—also current on their mortgage—for a loan modification that they didn’t apply for. Tramiane Hi Gerri, I have a question regarding inquiries. Maybe you should just google Brian Moynihan’s email address and see if they can’t help you. http://sovidi.com/bank-of/bank-of-america-error-500.php If you did sue you would to incur extra costs most of us can't soldier in these rough times and there is chance that someone at some point will say you

Equal Housing Lender © 2016 Bank of America Corporation. That can make it much more difficult to prove your case and win substantial damages if you've been financially wronged, say consumer lawyers. Options Mark as New Bookmark Subscribe Subscribe to RSS Feed Highlight Print Email to a Friend Report Inappropriate Content ‎02-08-2013 01:10 PM Check your PM. Thanks to Equifax, I have to fight with department of education for Grad Plus loans every year.

This is not a commitment to lend. SUBSCRIBE Editorial Policy Follow Us Credit Card Rate Report Updated: 10-01-2016 Comments/Questions? All rights reserved. I moved in with my daughter and submitted a change of address with post office.

If you think their procedures for reporting information are sloppy you may want to file a complaint against them with the Consumer Financial Protection Bureau instead. However, if the dates on your credit report are wrong you have the right by law to dispute them. Under the Fair Credit Reporting Act, credit reporting agencies such as Experian, Equifax and TransUnion are required to thoroughly investigate your credit report dispute. It's your right under federal law to get that information.