Please help, should I dispute?

Hello - Need a bit of advice regarding a discrepancy on a charged off BoA credit card tradeline which I'm confused about. Basically, they charged off my account on 2/2014 after reporting 6 months of lates. However, I called the last day of January and made an ACH payment which they converted into an electronic check. Check was signed by them on my behalf dated 1/31/14 however, it looks like they dated last payment on my CR for 2/1. Since the payment was actually placed on 1/31 (assuming amt should have been enough to catch up, $500 on a $1500 balance) should they have been able to charge it off? And if not, is this something worth disputing? Or would this just be shooting myself in the foot either way by potentially having them updating DOFD? Thanks in advance for any insights!

The date that a creditor reports their charge-off is not the date they actually did that accounting action.They do not report when they actually did the behind the scenes accounting action of moving the debt from a receivable asset in their books over to a bad debt/loss.It is irrelevant to credit scoring and not a reported date.They report that they have taken a charge-off, which also requires that they report the DOFD no later than 90 days after reporting of the charge-off. If they say they did that accounting measure,, the consumer has no basis for showing that they did not.There is no basis for supporting a dispute.

Similar Messages

  • PLEASE HELP - Should I buy Tablet or Standard X220?

    X220 finally touched down here in Dubai UAE..   I have option to buy either tablet (never owned in the past) or normal PC price is not an issue.
    Therefore; please help me take a decision why I should go for tablet rather than standard X220 machine. I am totally confused just a little background I am a salesman most of the time I am traveling in this region day in day out..
    Much appreciated your suggestions in advance. Bless you all.
    Moderator edit: Added detail to subject.
    Solved!
    Go to Solution.

    tablet allows you to directly write on the screen or use your finger as an input device (if you select the multitouch option), so if you have need for such feature, then the tablet obviously will the best choice.
    If you don't use the handwriting or touch screen option, then the normal x220 laptop is better, as it is slightly lighter than the tablet model and also slightly more rugged due to the different hinge design.
    Regards,
    Jin Li
    May this year, be the year of 'DO'!
    I am a volunteer, and not a paid staff of Lenovo or Microsoft

  • URGENT FIX MY Connect Four game for Wednsday PLEASE HELP

    I am using an APPLET and i want to use JOptionpane it didnt work when i used it in the paint method. So i want to make a runner to make the program work. I don't know why the Graphics g = new Graphics isnt working PLEASE HELP. Email the revised code to my email at [email protected]. URGENT FOR TOMORROW PLEASE HELP. should i have a spearate class for the runner, just email me please if you can help.
    import javax.swing.JApplet;
    import java.applet.*;
    import java.awt.Graphics;
    import java.awt.Color;
    import javax.swing.*;
    import java.awt.*;
    import java.awt.event.*;
    import javax.swing.JOptionPane;
    public class Board extends JApplet
    // the grid used for storing the game layout.
    private int[][] grid;
    // the player whose turn it is.
    private int currentPlayer;
    public final int player1=1;
    public final int player2=2;
    private int place1=5;
    private int place2=5;
    private int place3=5;
    private int place4=5;
    private int place5=5;
    private int place6=5;
    private int place7=5;
    public static void main()
    int column1;
    int column2;
    String name1;
    String name2;
    Graphics g=new Graphics();
    Board test= new Board();
    boolean wait=true;
    while(wait)
    String starts=JOptionPane.showInputDialog("Are you ready? \n (yes or no)");
    starts.toLowerCase();
    if(starts.equals("yes"))
    wait=false;
    name1=JOptionPane.showInputDialog("Enter Player 1's Name");
    name2 = JOptionPane.showInputDialog("Enter Player 2's Name");
    test.paintBoard(true,g);
    while(!test.done() || !test.hasWon(g,player1) || !test.hasWon(g,player2))
    column1=0;
    while(column1>0 && column1<8)
    column1=Integer.parseInt(JOptionPane.showInputDialog(name1+" what column do you choose?"));
    test.place(player1, column1,g);
    if(!test.done() || !test.hasWon(g,player1))
    column2=0;
    while(column2>0 && column2<8)
    column2=Integer.parseInt(JOptionPane.showInputDialog(name1+" what column do you choose?"));
    test.place(player2, column2,g);
    public Board()
    // create the grid
    grid = new int[7][6];
    // initialize the gridc
    for (int row=0; row<6; row++)
    for (int column=0; column<7; column++)
    // set the position to a default value
    grid[column][row] = 0;
    public boolean done()
    boolean flags =true;
    for (int row=0; row<6; row++)
    for (int column=0; column<7; column++)
    if(grid[column][row] == 0)
    flags=false;
    return flags;
    public void paint(Graphics g)
    public void paintBoard(boolean flag, Graphics g)
    int index= 0;
    g.setColor(Color.YELLOW);
    g.fillRect(0, 80, 700,700);
    g.setColor(Color.WHITE);
    //draws spaces
    for(int y =100; y<700; y=y+100)
    for(int x =10; x<700; x=x+100)
    if(flag==false)
    index++;
    if(index%2==0)
    g.setColor(Color.RED);
    else
    g.setColor(Color.BLACK);
    else
    g.setColor(Color.WHITE);
    g.fillOval(x,y,80,80);
    TextField column =new TextField(10);
    if(flag==false)
    g.setFont(new Font("Times New Roman", Font.BOLD,24));
    g.setColor(Color.YELLOW);
    g.drawString("C",45,245);
    g.drawString("O",145,245);
    g.drawString("N",245,245);
    g.drawString("N",345,245);
    g.drawString("E",445,245);
    g.drawString("C",545,245);
    g.drawString("T",645,245);
    g.drawString("F",145,145);
    g.drawString("U",145,345);
    g.drawString("R",145,445);
    g.setColor(Color.BLUE);
    g.drawString("START",512,548);
    public void paintFinish(Graphics g, int player)
    int index= 0;
    g.setColor(Color.YELLOW);
    g.fillRect(0, 80, 700,700);
    g.setColor(Color.WHITE);
    //draws spaces
    for(int y =100; y<700; y=y+100)
    for(int x =10; x<700; x=x+100)
    index++;
    if(player==1)
    g.setColor(Color.RED);
    else
    g.setColor(Color.BLACK);
    g.fillOval(x,y,80,80);
    public boolean hasWon(Graphics g, int player)
    boolean status = false;
    // check for a horizontal win
    for (int row=0; row<6; row++)
    for (int column=0; column<4; column++)
    if (grid[column][row] != 0 &&
    grid[column][row] == grid[column+1][row] &&
    grid[column][row] == grid[column+2][row] &&
    grid[column][row] == grid[column+3][row] &&
    grid[column][row] == player)
    status = true;
    // check for a vertical win
    for (int row=0; row<3; row++)
    for (int column=0; column<7; column++)
    if (grid[column][row] != 0 &&
    grid[column][row] == grid[column][row+1] &&
    grid[column][row] == grid[column][row+2] &&
    grid[column][row] == grid[column][row+3]&&
    grid[column][row] == player)
    status = true;
    // check for a diagonal win (positive slope)
    for (int row=0; row<3; row++)
    for (int column=0; column<4; column++)
    if (grid[column][row] != 0 &&
    grid[column][row] == grid[column+1][row+1] &&
    grid[column][row] == grid[column+2][row+2] &&
    grid[column][row] == grid[column+3][row+3]&&
    grid[column][row] == player)
    status = true;
    // check for a diagonal win (negative slope)
    for (int row=3; row<6; row++)
    for (int column=0; column<4; column++)
    if (grid[column][row] != 0 &&
    grid[column][row] == grid[column+1][row-1] &&
    grid[column][row] == grid[column+2][row-2] &&
    grid[column][row] == grid[column+3][row-3]&&
    grid[column][row] == player)
    status = true;
    if(status)
    paintFinish(g, player);
    return status;
    public void place(int player, int column, Graphics g)
    int index=0;
    if(column==1)
    index=place1;
    if(column==2)
    index=place2;
    if(column==3)
    index=place3;
    if(column==4)
    index=place4;
    if(column==5)
    index=place5;
    if(column==6)
    index=place6;
    if(column==7)
    index=place7;
    grid[column-1][index]=player;
    if(player==player1)
    g.setColor(Color.RED);
    if(player==player2)
    g.setColor(Color.BLACK);
    g.fillOval((column*100)+10,(index+1)*100,80,80);
    if(column==1)
    place1--;
    if(column==2)
    place2--;
    if(column==3)
    place3--;
    if(column==4)
    place4--;
    if(column==5)
    place5--;
    if(column==6)
    place6--;
    if(column==7)
    place7--;
    }

    gamefreak1192 wrote:
    I am using an APPLET and i want to use JOptionpane it didnt work when i used it in the paint method. So i want to make a runner to make the program work. I don't know why the Graphics g = new Graphics isnt working PLEASE HELP. Email the revised code to my email at [email protected] URGENT FOR TOMORROW PLEASE HELP. should i have a spearate class for the runner, just email me please if you can help.
    This is bloody ridiculous. You want somebody to do your work for you, you can't be bothered to carry on a discussion here and ask for private email, and you expect somebody else to make your urgency (i.e. lousy time management) their problem. You got big brass ones, kid.

  • My iPhone 4 keeps asking me to enter the apple ID for an account which no longer exists-.please help

    my iPhone 4 keeps asking me to enter the apple ID for an account which no longer exists….please help

    I should have also said that the only reason this is causing me an issue is because I have bought a new phone and I want to sell this one.  But I cannot erase all data because I cannot turn off find my phone because it keeps asking for the password for an account which no longer exists…. have tried so many suggestions but nothing is working...

  • HT1657 Hi All. I am new to this forum but hoping I can find some answers from some of you apple guru's out there. I have downloaded a mvie onto my iphone (which took forevere but I cannot find it to view it.Please help

    Hi All. I am new to this forum but hoping I can find some answers from some of you apple guru's out there. I have downloaded a mvie onto my iphone (which took forevere but I cannot find it to view it.Please help

    It should be in the Videos App - if it's not in there then have you got a film age rating set in Settings > General > Resttrictions that is hiding it ?

  • Hi , how do i find and remove duplicate videos and photos on my ipad2 , please help

    Hello , i have an apple ipad 2 , and iphone 4s and 5s . I have transferred all videos and photos on both these phones to the ipad to make space on my iphones. I have no doubt that there is now multiple duplicates on my ipad . How can i find and remove these. Please help should you know !

    i imported all the files in my sd card to my mac and then i did format the card, it says 160kb is used up.
    I also did find files in the trash when i connected the camera to the macbook and deleted them all, there is nothing left in the camera or the trash and it still says 160kb used :/

  • My iphone wont turn on!! please help!! the apple logo turn on only.

    okay so yesterday i went to apple store cos my iphone needed to be fix and today when i was about to put all my stuff in like from a back up i decided to erase all that was already on my iphone so it wont lake long, so i went into settings, rest, erase all content and settings, and now my iphone will not turn on at all. like the apple logo turns on but then the little circle thing that tells its loading appears on top of the logo please help, should i take it into apple again?

    Phone not recognised in itunes
    iPhone not recognised by iTunes on PC
    iPhone not recognised by iTunes on Mac

  • Report should prompt me for parameters, please help.

    Hi All,
    I am using Crystal version 10, So is there any way I can get the behaviour of my parameters as dynamic parameter? I have this requirement because when I am deploying the Report on BO server, and try to open the report from InfoView, it is not prompting me for parameters, rather it is giving me the copy which we had scheduled earlier. To get the fresh data with different parameters, we again need to schedule the report.
    What I want is simple, Whenever user clicks on the report link in infoview, I should be promted for the parameters my report is using.
    Please help..
    Thanks
    -Azhar

    Hi
    It would prompt whenever it's refreshed.
    You can refer to Business View manager guide from [here|http://help.sap.com/businessobject/product_guides/boexir2/en/xir2_bv_admin_en.pdf ] for detailed information.
    Hope this helps!!
    Regards
    Sourashree

  • My iPhone 4 will not sync my new voice memos from the "Voice Memos" app to my computer. This is frustrating, should not be so hard, can someone please help. I use PC with windows 7 with iPhone version 6.1.3 and iTunes most recent. Thanks.

    My iPhone 4 will not sync my new voice memos from the "Voice Memos" app to my computer. This is frustrating, should not be so hard, can someone please help. I use PC with windows 7 with iPhone version 6.1.3 and iTunes most recent. Thanks.

    In the Music tab of iTunes, do you have 'Include Voice Memos' checked?

  • Please help - Brand new X1 Carbon defective out of the box - is this normal? what should I do next?

    Hello all,
    So, as a loyal Lenovo customer I decided to purchase the X1 Carbon 2nd Gen (non-touch, I5 version).
    Last week I finally received it.
    Unfortunately, the first thing I noticed was a defective touchpad - very loose, the right bottom corner was not solid
    enough and made a weird noise while clicking it. It drove me crazy since I am used to the top build quality the Thinkpad series offers.
    I took to the local Lenovo service center, they actually replaced it on the spot and it made it better, not great but better. I still think there is something wrong there, since the bottom two "buttons" don't feet and sound as good as the upper ones.
    But that I can tolarate.
    The thing that really pissed me off was this: To me demise, after using the laptop in a dark room I noticed this massive screen bleed :
    (apologize for the ling stream of pics, didn't know how to thumbnail them)
    My question to you guys, is this okay? is this an acceptable bleed? or should I do whatever it takes to get it repaired/replaced?
    I just hope they will know how to handle this here at local center, as from my experience dealing with computer reps here, the local Lenovo agent (which is actually the importer)  will not replace it for me (their excuse is that it wasn't bought in this country)
    This is amazing, in one year Lenovo has lost it's entire reputation over the 2nd Gen X1 carbon.
    Please help me. what should I do?
    Thank you very much.

    The official method of creating / escalating to a complaint is to call support, with previous call numbers handy, and request the representative to escalate your case to a complaint.  They will then create a complaint on your behalf and also be able to inform you about the complaints proceedure.
    Andy  ______________________________________
    Please remember to come back and mark the post that you feel solved your question as the solution, it earns the member + points
    Did you find a post helpfull? You can thank the member by clicking on the star to the left awarding them Kudos Please add your type, model number and OS to your signature, it helps to help you. Forum Search Option T430 2347-G7U W8 x64, Yoga 10 HD+, Tablet 1838-2BG, T61p 6460-67G W7 x64, T43p 2668-G2G XP, T23 2647-9LG XP, plus a few more. FYI Unsolicited Personal Messages will be ignored.
      Deutsche Community     Comunidad en Español    English Community Русскоязычное Сообщество
    PepperonI blog 

  • My Macbook wont turn on, it gets pasted the White Apple screen then goes to a Blue screen that quickly turns a slightly darker shade of blue with the familiar loading icon then back again and does this over and over. What should I do? please help!

    So today my iPhone decides to go into recovery mode on me randomly so I  plugged it into my Macbook right away, but it wasn't showing up in iTunes so I did a quick internet search as to why that could be. On the Mac support forum I found instructions stating I should make sure I had the current verison of iTunes on my computer, turns out I had been putting off an Update because I didn't like waiting for it to restart n so forth. So I clicked my boucning update friend at the bottom of my screen and it started checking for updates, the bar got maybe a quarter of the way up and then stopped moving all together, I thought something was wrong so I clicked cancel and tried again. The same thing happened so I clicked cancel and went back to the Internet to find more help on my problems. I found yet another forum saying this solution was simple, restart the computer. So i clicked my little apple at the top and pressed restart and that has been the last thing I got to do on my computer because when it restarted it got past the White Apple logo screen and went on to a Blue screen which quickly turned a darker shade and had the loading circle, then back to the previous blue screen, then right back to the darker one. This process it repeated several times and I can't for the life of me figure out what to do. Please someone have a simple answer to this that I haven't Already tried, I have already tried safe mode and it just doesn't work for me. Please please help I need my computer for class it has all my notes and a paper I was doing, not to mention my iphone is still in recovery mode, even when I can get to another computer to fix that I need all the back up files off of my macbook to restore it to what I know it as and not default.

    Reset the PRAM
    Reinstall the operating system from the dvd (you will not loose your data)

  • Please help me!!!! my macbook pro 15 running on mountain lion is hanging a lot...sometimes when i use any app than it get freeze for some seconds...what should i do?

    please help me!!!! my macbook pro 15 running on mountain lion is hanging a lot...sometimes when i use any app than it get freeze for some seconds...what should i do?

    Hardware Information:
              MacBook Pro - model: MacBookPro8,2
              1 2.2 GHz Intel Core i7 CPU: 4 cores
              4 GB RAM
    System Software:
              OS X 10.8.2 (12C60) - Uptime: 0 days 1:17
    Disk Information:
              TOSHIBA MK5065GSXF disk0 : (500.11 GB)
                        disk0s1 (disk0s1) <not mounted>: 209.7 MB
                        Macintosh HD (disk0s2) /: 499.25 GB (424.92 GB free)
                        Recovery HD (disk0s3) <not mounted>: 650 MB
              HL-DT-ST DVDRW  GS31N 
    USB Information:
              Apple Inc. BRCM2070 Hub
                        Apple Inc. Bluetooth USB Host Controller
              Apple Inc. Apple Internal Keyboard / Trackpad
              Apple Inc. FaceTime HD Camera (Built-in)
              Apple Computer, Inc. IR Receiver
    FireWire Information:
    Kernel Extensions:
    Problem System Launch Daemons:
                     [failed] com.apple.coresymbolicationd.plist
    Problem System Launch Agents:
                     [failed] com.apple.afpstat.plist
                     [failed] com.apple.AirPlayUIAgent.plist
                     [failed] com.apple.coreservices.appleid.authentication.plist
                     [failed] com.apple.rcd.plist
    Launch Daemons:
                     [loaded] com.adobe.fpsaud.plist
                     [loaded] com.adobe.SwitchBoard.plist
                     [loaded] com.google.keystone.daemon.plist
                     [loaded] com.microsoft.office.licensing.helper.plist
    Launch Agents:
                     [loaded] com.adobe.CS5ServiceManager.plist
                     [loaded] com.google.keystone.agent.plist
    User Launch Agents:
                     [loaded] com.adobe.ARM.202f4087f2bbde52e3ac2df389f53a4f123223c9cc56a8fd83a6f7ae.plist
                     [loaded] com.facebook.videochat.Akshay.plist
                     [loaded] com.microsoft.LaunchAgent.SyncServicesAgent.plist
    User Login Items:
              Sony Ericsson Bridge Helper
              BitTorrent
              uTorrent
    3rd Party Preference Panes:
              Flash Player
              Java
    Internet Plug-ins:
              AdobePDFViewer.plugin
              AdobePDFViewerNPAPI.plugin
              Flash Player.plugin
              FlashPlayer-10.6.plugin
              googletalkbrowserplugin.plugin
              JavaAppletPlugin.plugin
              npgtpo3dautoplugin.plugin
              QuickTime Plugin.plugin
              SharePointBrowserPlugin.plugin
    User Internet Plug-ins:
              Google Earth Web Plug-in.plugin
              Picasa.plugin
    Bad Fonts:
              None
    Top Processes:
              14.6  %          WindowServer
              6.9   %          coreaudiod
              6.4   %          uTorrent
              1.9   %          WebProcess
              1.4   %          iTunes
              1.2   %          EtreCheck
              0.5   %          fontd
              0.2   %          NotificationCenter
              0.1   %          Dock
              0.0   %          Microsoft

  • Please help block my ipod touch second generation and forget the code, try putting the code so many times that now says connect to itunes, I connect but will not let me do anything that tells me this should unlock with key and I should do for Please help!

    please helpme i block my ipod touch second generation and forget the code, try putting the code so many times that now says connect to itunes, I connect but will not let me do anything that tells me this  should unlock with key and I should do for Please help!. thanks

    Place the iPOd in recovery mode and then restore. For recovery mode:
    iPhone and iPod touch: Unable to update or restore

  • Please help me if i should get an airport for my situation or not?

          i have a modem thats connected to a pc (i cant move it anywhere) on the first floor and a wireless adapter thats connected to another pc on the lower floor. we all depend on that one modem thats on the first floor so to let the pc on the lower floor to connect to the wifi, we got a router. (everything is all good) but if i get an imac and place it on the first floor which is closer to the modem will it connect to the wifi normally like any laptop or iphone? or should i get an airport or maybe a wireless adapter so it connects to the wifi?
           PLEASE HELP IM GETTING AN IMAC SOON AND I HAVE TO KNOW!
    thank you,
                  mariam

    oh and airport can connet normally to windows right?
    Yes.
    You don't have to get an AirPort Base Station, but I learned the hard way that they work better than cheaper alternatives, especially in a mixed Mac / Windows / iOS device environment. They're also very secure from malicous outside intrusion, which has recently become a serious problem for people using Linksys routers.
    You will need to configure it with an iMac or an iPhone, not with the Windows PC, so get the iMac first.

  • I bought 4 apps 1. the sims 3 for £4.99 2. fifa 14 premium pack for £2.99 3. plauge inc for 99p and monopoly for 69p i bought a £15 app store voucher and i only have £1.66 left but i should have £5.34 left please help me

    i bought 4 apps 1. the sims 3 for £4.99 2. fifa 14 premium pack for £2.99 3. plauge inc for 99p and monopoly for 69p i bought a £15 app store voucher and i only have £1.66 left but i should have £5.34 left please help me

    Three possible causes:
    - You got charged twice. On a computer go to iTunes Store>View Account>Purchase History and see what you got charged for
    - Maybe the difference is due to tax. Again the Purchase History will list the total price including tax for each purchase.
    - You had a negative balance (you owed money) before you redeemed the card.
    If problems contact iTunes:
    Contact iTunes

Maybe you are looking for