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WHY didn't BofA tell me about this site before I settled?!!!!!???

The last post in this topic was posted 2547 days ago. 

 

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Hello CBers!

 

Hoping you can shed some light on this for me.

 

Back in October of 2009 (before I ever heard of CB) I settled a cc w/ BofA for $884. The account reports as 'Closed' and 'Settled for less than full balance' AND 120 days past due.

Can they report it as 120 days late until it falls off or is that something I can dispute?

 

Thanks for any help you can provide.

 

 

 

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They OC cannot report it past due if the account was settled as there is nothing due. I would dispute that with the CRAs in writing not online. All credit repair is to be done in writing.

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Thanks. That's what I was thinking but I wasn't sure.

Although I paid a CA it's BofA that's reporting it.

This is supposed to stay with me until Sept 2015 and in a few weeks it will be my only baddie. I have a pretty thin file so I think it's about time I go on the offense. As far as I can tell it's the only thing that's incorrect on the tradeline so I don't think a Jack attack will work.

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