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Hi, I have an old BOA card that defaulted in 2008- it was sold to a collection agency- FIC i think was the name . Then it was resold in 2012 to Calvary Portfolio and is showing as a new account instead of the 2008 date. How do i go about clearing this up because I can wait for it to drop off if the actual default date gets listed. -
Hi. I've been trying to get my credit score up- I'm embarrassed to say how low it is, and need a question answered. I took out two 'bad credit' credit cards and I'm trying to not miss even one payment on anything. I signed up for MyFico.com and when I got my first credit report it said that my last late payment was Feb. This was for a card that was charged off and sold to a collection agency, that I'm dealing with. Can Chase charge off my credit card debt, sell it to a CA and STILL report that I'm not making payments to them? How long before a debt is considered bad? After 120 days? Thanks in advance for any help.
