In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX 
