How to get a credit card delinquency removed?

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How to get a credit card delinquency removed?

Postby MrSoul » Mon Dec 06, 2010 8:59 pm

Hi all! first time poster here...

I paid down a card to what I thought was $0 balance, but a small amount of interest had accrued after my last payment and statement (set to paperless). of course I forgot about it until I finally noticed I owed around $5 dollars and some late fees, which had built up over several months. So they have reported to my credit report that I was 180 past due on a less than $1 interest charge! My bad, my fault, honest mistake, and shame on me for not checking my statement, now Im having problem with my mortgage re-fi because of it.

I have called BofA twice, and they refuse to do anything. I know they don't have to. does anyone have any advice on how to get this removed from my credit report or am I screwed? Thanks.

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Postby Generallisimo » Wed Dec 08, 2010 3:11 am

Try complaining to Office of the Comptroller of the Currency (they regulate the banks). It will take a long time, but by law they have to respond to your complaint there. In the meantime, maybe take the complaint directly to the credit bureaus or have a statement added showing that it was a balance of <$10.

Unfortunately, I don't think there is much else you can do. The bureaus only report what the banks and creditors tell them, and they will probably tell you to tell BofA to change what it is reporting.

I agree that this is absolute bullshiyite though. Post to youtube showing a video of the $1 statement that you didn't pay (of course, don't leave the account number open) and the 180+ days missed payment from BofA and try to make it go viral by recruiting friends/families/this forum to drive up the hitcount. Or get a local or any news organization to cover you, they love these stories about major punishment for minor mistakes.

Oh and of course, close all of your BofA accounts that you possibly can (hope it's not mortgaged by them) and take your money elsewhere. That's probably your best option.

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Postby Mogul of Pineapples » Wed Dec 15, 2010 10:03 pm

I would try what Generallisimo recommended first. If that doesn't work, getting legal help may not be a bad idea if you can afford it. I see services advertised online all the time but I can't say if they can make good on their claims because I've never used one.

One angle you might be able to work is if you knowingly signed up for paperless statements. The way some financial institutions get customers to signup for paperless can be deceptive. My mom signed up for paperless without knowing she did.
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Postby ronnieloo » Tue Jan 04, 2011 1:28 am

you could have a chance of getting a credit card delinquency removed through the state attorney generals office. banks hate any attention from the a.g. and sometimes all it takes is a call from the a.g. to fix a problem. your guess is as good as mine if this would work for a credit delinquency but i would try it.

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Postby confusedconsumer » Thu Jan 06, 2011 4:28 am

If there are any sure ways of how to get a credit card delinquency removed please share here. I have clicked on ads online selling ebooks and services to remove them and I have paid money and gotten nothing in return that has been helpful for me.

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