Anyone have any experience working with BoA regarding a payment plan for a CO?* I have a CO on my report from 3 1/2 years ago, still owned by BoA because its reporting a balance and no CA is on my report.* I know paying it wont help the CO rating but the utilization is killing me.* I have 3 other cards that have 20% total utilization on them, by the end of the month they will have 0 but even with the 20% they have now the CO is making me sit at 95% utilization because its 9k.* I just dont know exactly what to do with BoA.
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