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Charge Off Help


UNCTarheel90
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The last post in this topic was posted 3501 days ago. 

 

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Hi guys,

 

I went through a rough patch a few years ago. I now have a good job and I'm trying to do something with my life, but we all know credit can help with that. My credit score is in the high 600's, which is surprising to me considering I have two charged off Bank of America credit cards.

 

I had a failed business and got a bit in over my head in my late 20's. Anyway, a couple of years later (now) I'm trying to simply figure out who to contact to see if I can negotiation whatever type of settlement might get them to delete the charge off from my credit report (or whatever other bone they might agree to throw me to pay these accounts, finally). Whatever I can do to help my credit score...

 

I tried calling Bank of America, who held both credit cards. After spending 30 minutes on the phone, I ended up with some guy's voicemail that literally told me "If you have a charged off credit card, do not leave a message, but call the number found on your documentation." Well, it's two years later, I don't have any documentation. So, I left a voicemail explaining that, but I don't expect a call back...

 

Any advice?

 

Also, I know that at least one of the accounts has a collection agency trying to collect. However, I'm hoping to go to the source in order to have a better chance having my credit report cleaned off. My credit report shows Bank of America on both charged off accounts, with balances, and does not list a collection agency. That means that while it's been sent to collections, the debt hasn't been sold, correct? That means I'm calling the right place, as far as I can tell?

 

-Z

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