On my credit report, I fail into delinquent standings with Bank of America credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Bank of America cards which I do business with. 
