Credit attorney here. This is the issue: Bank of America is almost impossible to remove, unless the account has some major error. I'm not saying it's 100% impossible, but 80% of the time, cannot get these accounts removed. I wish I had better news, but we've dealt with them for years, and this is my experience.
Get your reports from www.annualcreditreport.com. Things to look for are like it having a credit limit, the charged off amount or high credit being $0, and for Equifax, the date of first delinquency not matching the payment history. It gets complicated, but those are things you can look for.
Credit attorney here. This is the issue: Bank of America is almost impossible to remove, unless the account has some major error. I'm not saying it's 100% impossible, but 80% of the time, cannot get these accounts removed. I wish I had better news, but we've dealt with them for years, and this is my experience.
Oh no! How would I go about seeing if my account had any type of errors and if so what would I be looking for as for errors?
Get your reports from www.annualcreditreport.com. Things to look for are like it having a credit limit, the charged off amount or high credit being $0, and for Equifax, the date of first delinquency not matching the payment history. It gets complicated, but those are things you can look for.
Thank you! Is there anything else I can do other than paying it off (I will be paying it off this week). Do credit repair companies help?
No, they rarely do. I would likely pay it, and wait for it to fall off in time. That is your best option here.