Negative Marks on Credit Report

[brookes314]

I recently needed to purchase a new washer and dryer for Lowes. May 2007 I opened a Lowes account with a 5k limit. I purchased what was needed and paid this credit card off in less then 5 months.
Never late, and always paid over my minimum payment due.
Actually I pay everything this way. I have excellent credit all my life, and when I purchased my home in 2003, I was told I had perfect credit...

Unfortunately, this may not be the case anymore. I went to lowes and attempted to re-open my old account with a 2k limit, and was denied.

As soon as i returned home that night I pulled my credit report. I knew something had to be seriously wrong because I am anal when it comes to paying my bills.. Literally, I have every deposite slip I ever submitted, every check book, every bill. You name it I have it.

I 2001 I opened a Bank of America credit card, to start to establish more credit becasue I was only 20 at the time, and new I wanted to purchase a home in the next few years.

I thought this account was closed and paid in 2007, but when I pulled my report I became nauseous. This account was the only thing reporting negative, and the negative info is as recent as May 2009.

I new this wasn't correct, so I have placed two calls to Bank of America, trying t get some information on this.
After being transferred to different departments, and being hung up on, I now have no clue what to do.

My last conversation was with a lady in their collections department.
She stated the account was closed by them, not me.

I wanted to know the recent transactions. The recent transactions go back to over a year ago, but payments were being made on the account...

Therefore she was quite rude in insisting I made payments to this account so I obviously knew what was going on...

I STILL HAD NO CLUE! The transactions were 100% not made by me. I would NEVER put $6.00 on this credit card from a gas station. I would never pay Verizon $15 with this credit card..

This credit care was strictly used to generate credit. I purchased a 4k car with this credit card for my dad who in return made monthly payments to me...

So, several small charges that I did not authorize were charged, but the payment part makes it even better.

a smally payment would be made in June, and then another payment in august, then November. The payments were scattered all over the place resulting in 30/60/90/120 late remarks on my credit report.

I asked for copies of these payments, because I know when I sent my last payment. My last payment was for 1,656 I wrote this on the bill and the dates I paid it, and also on my check. I also wrote paid off.

No one could provide me with copies of the checks I sent during this odd periud of odd charges.

The last two calls I was being transferred to the fraud department, and some how they transferred me to a non working phone number. Each call I have made takes about two hours, and I'm doing this during work hours, so I can't keep going through the same story every day ony to be treated lick a child.

If they look at my transactions from 2001, they would see I have never been late or made small purchases with this account.

This one negative remark is killing me. I couldn't get approved for 2k, but I have never been late on my 1,800 mortgage or my $600 car payments. My report looks great except for this one Bank of America thing, that can't seem to get any help with...
Any suggestions???

I was planning on popping the question in the next three months but I sure can't do it if I can't get approved for a ring!

[jjgross]

You need to file a police report and then file a fraud report with the cra's.This can be resolved pretty quick.but start with the police report first.

[improving]

I agree, you need to seek help from the proper authorities on this one to get this resolved fast! Someone has used your card and info. Do you continue to receive statements from them? (or are they being sent elsewhere?) again, someone needs to investigate this further. :D

[brookes314]

No I no longer am receiving a statment because as BOA stated it's now paid off and payments have been made.
What do I need to file the police report?
Do I need to get anyting from BOA?
Do I called the fraud department at BOA?

[jjgross]

Originally Posted by brookes314

No I no longer am receiving a statment because as BOA stated it's now paid off and payments have been made.
What do I need to file the police report?
Do I need to get anyting from BOA?
Do I called the fraud department at BOA?

1.with your local police department you can call them on their regular number.
2.Try to find were they were sending the statement.
3.Yes.