Thank you for your email received 04/19/15, regarding your credit card
ending in 3700. I understand your concern and it will be my pleasure to
address your question.
We need to inform you that the Bank does not determine the amount of points
to earn or lost with a late payment; this decision is made from the credit
bureaus directly and in order to obtain specific information on the credit
score, it is necessary to contact them directly.
Please note that we report to the credit bureaus each 30 days and the credit
bureaus takes up to 60 days to reflect the account information.
Please be aware that Bank of America and partners are required to report
accurate information to credit bureaus. Information may only be removed in
the event a bank reporting error has been made.
For further information of your credit history, we ask you to contact the
credit bureau agency of your choice:
- For Experian (TRW): visit www.experian.com or call 1.888.397.3742
- For Equifax: visit www.equifax.com or call 1.800.685.1111
- For TransUnion: visit www.tuc.com or call 1.800.888.4213
Bank of America is not affiliated with the credit reporting agencies, and
does not offer, endorse, recommend or guarantee these products or services.
ADDITIONAL INFO:
Also please know that every payment that you send in will increase your
available credit and it will help you by maintaining your current balance,
and limiting the chance of increasing your balance, which may make future
payments more challenging. Because of the account closure, you do have an
opportunity to request a copy of the credit report used in making the
decision. I definitely would recommend taking the opportunity to request a
copy from the credit bureau of your choice and review and ensure information
on that report is accurate. If you find any inaccuracies, you can also
register a dispute with that credit bureau agency to investigate identified
discrepancies.
We appreciate the opportunity to assist you online. Should you have any
further inquiries, please e-mail us again. Thank you for choosing Bank of
America.
Sincerely,
Monique
Bank of America
