Bank of America On My Credit Report?


Bank of America reports information about consumers to credit reporting agencies. If you think BOA is reporting inaccurate or out-dated information, you can file a credit report dispute. BOA must remove or correct any errors it finds.

If you need help disputing Bank of America credit report errors, or if you believe BOA is violating your rights, contact BCJ Law for help. Call 1-800-997-5561 or complete our contact form.

Why is Bank of America on my credit report?

Bank of America may appear on your credit report for many reasons, including when:

  • You apply for credit with BOA: If you apply for a credit card, a loan, or another account, BOA can report information about you.
  • You have a BOA account: BOA can report information about you if you have an account with them, if your account was charged-off, or if your account is in collections.
  • BOA gets a judgment against you: BOA sues a lot of people each year. It obtains judgments against many of them. It can report information on you if it obtained a judgment against you.

Is Bank of America on my credit report in error?

Although Bank of America may accurately appear on your credit report, it also may appear on your credit report in error. Common errors include the following situations:

  • You never opened an account: If you don't recognize an account on your credit report, that account may be reported in error.
  • Your account is old: Most accounts can't be reported on your credit report after seven to eight years.
  • Discharged debt is reported improperly: When a debt is discharged through bankruptcy, settlement, or litigation, the account status must be updated, or the account must be removed entirely.
  • An account is reported more than once: Creditors can't report a single account as multiple accounts.
  • Inaccurate information is reported after a dispute: Creditors can't re-report information about an account that was previously found to be inaccurate.

Can I fix Bank of America credit report errors?

Credit report attorneys offer free consultations and most times can help you correct credit report errors for free.

Call BCJ Law LLC for Help!

The Fair Credit Reporting Act (FCRA) gives you the right to dispute credit report errors. As long as you comply with the FCRA, Bank of America must investigate your credit report dispute. It then must correct or remove any errors it finds.

You must follow the proper procedures when disputing credit report errors. For example, your dispute letter must identify and explain the error at issue and must be sent directly to a credit report agency. Visit our page on disputing credit report errors for general information on the dispute process. If you need a copy of your credit report, read our page on how to get your credit report for freeIf you need help, complete our contact form, or call us at 1-800-997-5561.

What if I don't recognize a Bank of America account on my credit report?

If your credit report shows a Bank of America account you don’t recognize, there are two likely explanations. First, BOA or a credit reporting agency may be confusing you with someone else. This is called a “mixed file” error. These types of credit report errors often are mistaken for identity theft. Second, you may be a victim of identity theft. For information on removing information that is not yours from your credit report, read our pages on fixing mixed credit files and correcting identity theft credit report errors.

How long can Bank of America stay on my credit report?

Generally, adverse account information must be removed from your credit report after seven years. There are exceptions for credit cards, which can stay on your account for 7-8 years depending on the circumstances. Read our page on removing old information from your credit report to learn more.

Can Bank of America use my credit report?

Bank of America can use your credit report for permissible purposes only, like advertising credit or evaluating a credit application. If BOA uses your credit report for an impermissible purpose, it may be violating the FCRA. Learn more about who can use your credit report and for what purpose on our improper use of credit report page.

Hire BCJ Law to Help!

If Bank of America is reporting inaccurate information about you, refused to investigate your dispute, failed to correct an error, or used your credit report for an improper purpose, contact BCJ Law LLC. To get a free case review, call 1-800-997-5561 or complete our contact form.

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