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Found 22 results

  1. I’ve been getting ready to do some CLI’s and such, and have been compiling information on BofA - jotting down my own personal dealings (not feelings), combing through threads, sending PM’s, making phone calls to BofA CSR’s and having others try things in their phone dealings as well (thanks Uber). I started to put together a repository of sorts and figured what the hell, I’ll just post it for everyone- present and future. Hopefully this can be a wiki-type post and people can add to or correct any of the below info. This is an objective post, not subjective. I didn’t put this together
  2. Hello, I already had one $5000 Cash Rewards Visa with BofA and a $300 limit Signature Visa as well. The $300 Visa was open since 2007. The $5000 limit one has been open since 2011. I also have a $2500 Amazon store card since about 2011 and a Capital One Quicksilver Visa with an $800 limit, and a Capital One Platinum MasterCard with a $700 limit. Have had both of those since 2010. The $5000 BofA Cash Rewards card, Amazon Store Card, and both Capital One cards have all been as the limit since last summer. I never had any late payments. I have had my checking account with BofA since 2007. I a
  3. Hi there, I am looking for help on what to do for a Bank of America credit card account that was charged off in December 2012. If I remember correctly, I actually paid this account off in full, but I don't remember for sure as I had a number of credit cards in bad states at that time, so one may have actually been charged off. The status is "Closed. $1,992 written off." The comment says, "Purchased by another lender." I do not recall ever being contacted by a JDB for this account, but it may have been them that I eventually paid off in full. Though I would have thought that would have
  4. I received a pre-selected offer in the mail for Bank of America. I currently have a FAKOs of 677/677/667 (EX/TU/EQ). I also have $22,800 in credit, spread out over 5 cards. 9K highest limit, 2K lowest limit, including a signature Visa and an AmEx. Oldest credit card account is at least five years old, newest is couple of months. Everything else falls in between. I have older installment accounts (only one open, rest are paid/closed in good standing). Pretty much middle of the road on credit rebuilding, current standing, etc. So I applied for the BOA MC. Received instant approval o
  5. Enroll your Bank of America issued VISA or Debit Card in VISA checkout by 12/04/2014. Receive a Prepaid Reward VISA card with a value of $10. More info on Promo here.
  6. I received my Bank of America travel rewards card on Monday, called Tuesday for a CLI from 2500 to 5000, approved. Called today and asked to get bumped to 7500, put on hold for a few minutes, asked some income and employment info, approved. Bank OF America is awesome seems they are very generous with CLI's 2 in 2 days and just got the card Monday.
  7. did not read this until I settled, hope I save someone else some money...! Update! In April 2010, New York’s highest court, the Court of Appeals, confirmed that the statute of limitations that applies to a credit card debt may beshorter than six years, depending on where the credit card issuer is based. (See here for the Court’s decision, from Portfolio Recovery Associates v. King.) Here’s how it works: New York has a law stating that the statute of limitations on a credit card debt is six years. But New York law alsostates that a creditor cannot take advantage of NY’s six-year statute o
  8. Hello everyone- Can anyone tell me if it is true that once a company admits an error in it's reporting to the CAs, all related credit reporting for that account must be removed? I am struggling with a very delinquent mortgage on a house that is now being sold in a short sale. The impact on my credit has been disastrous. It was originally with Countrywide. I disputed the reporting via Lexington Law. It was a long shot, but thought I would give it a try. The reporting was being done under the name Countrywide. Bank Of America now holds the loan. They reviewed their records, remo
  9. http://www.reuters.com/article/2014/04/03/us-financial-regulations-creditcards-idUSBREA3225H20140403
  10. Help credit board members! I am trying to get approved for a mortgage and I have one baddie that my lender says I need to resolve. It’s for a deficiency balance on a second mortgage HELOC loan with Bank of America for the amount of $92,000. The short sale took place in February 2010 and I thought that this account was settled after the purchaser of my home paid Bank of America $23,000 to release title. BTW, Bank of America changed the amount and terms on the eve of the short sale. Originally Bank of America only wanted $3000 to settle the account. I signed the agreement to allow the
  11. I have a judgment from Bank of America on my credit report from an old checking account. They sent me a 1099-C cancellation of debt form. I called them and they said I no longer owe the debt and they will not try to collect on it anymore. I've tried to get it off my reports using techniques I read on hear but no success so far. Do you think I can mail the bureaus a copy of the 1099-C to get it deleted? Has anybody had any success with a 1099-C form?
  12. So last month I had my secured card through Bank of America unsecured early.. at the 10 month mark and they increase my credit from $1,000 to $2,000... This resulted in a hard pull.... I was bored and decided to hit that luv button again 1 month later and ask for a credit limit increase again to $5,000 just to see if they would raise it... resulted in a hard pull and the dreaded 7-10 day message. I log in today and I now have a $5,000 limit! woohoo! guess I should have asked for more! This is still with several student loan late payments from a couple of years ago... and don't wor
  13. I had a checking account at BOFA...... the account had 19.00 in it...... my wife made a mistake and wrote a 20.00 check to a schoool for one of my children.... I did not even know about it. Not saying that wew were not wrong but...... Apparently, the school kept trying to run the check through and every time BOFA charged me 35.00 The account got to negative 230 something. I called BOFA and they dropped the fees owed to 135.00 and then closed the account and turned me into EWS.... IF i pay BOFA the 135.00 will it show on EWS as paid? I called EWS and they said to fill
  14. So here is my 1099 story. The code they used is G - Decision or policy to discontinue collection. · Just got a 1099 from Bank of America. · BOA never attempted to collect the debt. · The debt dates back to 2003 when it was taken as a loss from the original bank. · The debt was bought and sold by a variety of CA’s several times through since 2003. · The account of debt was “returned” to BOA in December 2013. · BOA apparently bought the bank that originally gave me the credit card hence why they sent me the 1099 This is my debt – no q
  15. For those of you with BOA Secured cards: I have had this card for 11 months, and am pretty familiar with it, including adding additional security deposits to increase the credit line (which I've recently done actually). I expect that it will unsecure after the first of the year considering payment history, reduced util that will report by 1/1/14 and improved scores. Today, I noticed that there is a 'request a credit line increase' button on my login page. I've always called in to do the increases before, so I'm not sure if this is new, or I've just overlooked it before. Do those o
  16. So BofA is reporting a credit card charge off on my reports. They sold the account to Asset Acceptance and Asset Acceptance is reporting as a collection account and another as a judgment on all reports. One account, three trade lines. Anyway, I sent a OC validation letter to BofA and below is what they sent me back. "IMPORTANT MESSAGE ABOUT YOUR CARD ENDING IN XXXX Thank you for your inquiry regarding the above referenced account. We're writing to inform you that your account is no longer being managed by FIA Card Services, N.A.; effective November 17, 2011 your account was sold to
  17. One of my cards, the BOA visa signature currently runs an offer on balance transfer and I wanted to move about $7000 to that card. The credit limit is not reported by BOA (Currently 15K) but card reports maximum past balance and minimum payment amount. The question is - how my FICO is going to be affected if I transfer balance to this Visa Signature card. Will new balance become "hidden" from FICO algorithms or total utilization is going to be calculated based on maximum past balance that is reported (that would be strange). Anybody can help and clarify? Thank you!
  18. I request advice with the following situation (reported in order of facts): The wife's credit report showed a 120+ day delinquent payment. She called credit bureau and was told it was probably information mix-up She called creBank of America that reported late payment, and was told her balances were all $0 and all her accounts closed. She called again and was told the same She requested a letter showing this She received a letter regarding 8/5, stating one of her accounts was closed She received another letter 8/9 saying investigation showed her accounts were overdue She called 8/12
  19. I know someone who has 3 credit card accounts with 3 large national banks. Two of these three banks (Chase and Citi) agreed to place this individual in their hardship programs, offering them absolutely the same new modified terms (0% interest rate, 60 months to pay off balance, no fees). Bank of America is the only bank that insists upon continuing to charge them interest, which they can do; it's just that the new interest rate they are proposing is not reasonable at all! It causes the new monthly payment to be even higher than it was in the past. And the worst thing is BOA will not budge! I
  20. Received an email alert from Experian that I had a significant change to my credit report. Logged into Experian and found out that I had a hard inquiry from Bank of America for what was described as "bank credit cards." I called the BOFA number listed on the inquiry and explained that I had no business relationship with BOFA, hadn't applied for any credit, and wanted to know the purpose for this inquiry. The rep denied that BOFA had done the inquiry and confirmed my last activity with them was 13 years ago. I have no open accounts, to include bank accounts with them period. The account I d
  21. i am looking for suggestions on how to dispute a BofA CC. The CC was IIB but still shows the prior negative history, and a CO the same month BK was filed. This is my GF's account and I would appreciate it if anyone can share their experience and successful methods of dispute. Hopefully someone has some ideas that will also work in my situation? So far we have tried the not mine with EX, twice the second time they said previously investigated...What a memory EX has. Tommy
  22. Oh how I LOVE CB! I want to 1st start off by saying thank you to all those who provide feedback! Everyday I learn something new! So THANKS!! I'm trying to put together a good will letter to send to the exec of Bank of America. Last year I paid off mg card that had a $4000 limit off in full. I was never late but only made minimum payments. Shortly after I made the payment my card was closed! My CRA reads "closed paid as agreed" . Does anyone have any experience with this? Why would they close the card when I paid in fill. The card was not delinquent or in collections. Even my CRA
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