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Small Victory in a Big War - Got BofA Deleted Thanks to CreditBoards


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I've said it before and I'll say it again. This site is such a fountain of knowledge. So, I had my first victory after creating my "hit list" of items that I wanted to tackle on my CR. The first was an old BofA TL that was charged off ($770) on my credit that was still showing as a bad debt. After reading about people getting TL deleted for being obsolete, I checked and saw that this account was about 6 months from dropping off (March, 2015). I decided to try to get it taken off a little early. I disputed this as obsolete with all 3 CRA's and it worked! I really expected EX to fight about it based on what I've read, but they were the 2nd one to delete it (after TU). EQ was the one who was dragging their feet about doing it, but I finally heard from them today. It's not much, and it probably won't move the needle with regard to my FICO scores, but I'm excited to see that it actually worked and my credit is now just a little bit cleaner. Baby steps. :yahoo:


Next up, I'm going after Santander to get their auto repo removed. Wish me luck!

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