Consider using the dispute process when Bank of America reports account abuse to ChexSystems because account abuse is often due to overdrafts caused by the bank re-ordering transactions.
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You can get approved for a mortgage loan with unpaid charge-offs. But even though FHA allows charge-offs some lenders may have stricter requirements.
A Verizon Wireless account charge-off can occur even if a deposit was applied to the unpaid account balance and the early termination fee.
Original creditor is no longer reporting an account to the credit bureaus but debt collector is reporting new dates on the account. This action is re-aging an account which is illegal.
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Creditors can choose when to report a charge-off but the remove date of charge offs does not change. It is 7.5 years from the date of last payment.
You have the right to stop the debt collector threats and stop debt collectors from calling and writing you. But that does not eliminate the debt.
Goodwill letters still work even if the creditor says it is against the law to delete a negative item. It is not against the law just keep pursuing.