Comment: Sent them a goodwill letter a week ago. Got a stock response letter saying that no bank errors have been made concerning my account and therefore the delinquency on my report is valid and will not be removed. They listed the numbers of the CRAs and then said thank you for choosing B of A. Question(s): What is my next move? Report them as incorrect to the CRAs? In other news, my Fico score has jumped 69 points in a few weeks since I pulled all my free credit reports, refinanced my car loan with USAA, tranfered a high interest CC balance to 1.9% and got 2 of my CC APRs lowered to 12%. Question: Is this MyFico.com messing with me to get me to buy their products or is this somehow legit? Thank you in advance for your replys. Padawan
RE: BoA. You'll have to go up the ladder. They like to hold a hard line. On the other hand, if you pay and close the account and put of a fuss in a year or so, they might delete the account after it falls out of current records. RE: FICO, moving around balances, can alter your usage which can have a big effect on your score.
