I own my own house. I own 2 cars. I've got other credit cards for emergencies. I really don't think I'll need a good score right now. I'll keep arguing it with BoA, but not with the collection agency. I was told by someone who deals with credit reports every day that everytime you have contact...
I had 2 business checking accounts with BoA back in the day. There were screw ups left and right so I closed those both quickly and added BoA to my shit list ever since.
My latest BoA saga wasn't even my own doing... My MBNA cc card was bought out by BoA (unfortunately I have no control over...
Well a few questions... how long ago did you do the declaw and spay? How old is the cat? Are there other animals in the house? Is the litter box clean or did you do something different to the litter box (different litter, etc)? After the declaw I'm sure you used the Today's Paper kitty litter...