I'm hoping to get some advice on how to get a $52 charge-off removed from my credit report. I originally had a credit card through Schwab, who after several years sold my card account on to Bank of America. After a year, BoA changed the terms of my card so I stopped using it. Several months later, I moved to Europe and put the unused card aside. In the meanwhile, an automated charge occurred on my account and this went unnoticed until I came back to the US a few weeks ago. The upshot was BoA charged off my account and gave me a black mark in my credit. The long and the short of it this single ding is worth 70 points on my credit record and will cost me big bucks as I go to find a mortgage in a very expensive US housing market. I routinely charge-- and pay off-- several thousand dollars per month so I have an otherwise unblemished history. Anyone have advice, or personal experience with Bank of America charge-offs?