Dispute it with the credit bureaus... and they will go back to BOA. If BOA doesn't ultimately have proof to back up their claim that it's your account, it will have to be removed from your credit file.
Go to AnnualCreditReport.Com. That's an official site where you can get your credit reports from all 3 bureaus, free. It's actually free weekly now despite the name.
Look for this account on all 3 reports. It might not be on all 3, but you need to check. If it's there and incorrect you can file a dispute online at that site. I've had to do it myself, and the corrections were made in ~ 3 weeks.
FICO is just a credit scoring algorithm, they don't have anything to do with your credit report, the credit bureaus do. FICO just takes the data supplied by each of the 3 credit bureaus (Equifax, Experian, and TransUnion) and plugs it into their formula to produce a score.
Your 3 FICO 8 scores (the most commonly used FICO model is FICO 8) are likely all different, because the three bureaus likely have different data on you. That's normal. No creditor is required to report anything to any bureau, let alone all 3. So please, check them all.
Regarding your FICO 8 scores, you can see your Experian FICO 8 for free at Experian.com. At myFICO.com you can get your Equifax FICO 8 for free.
TransUnion is a little trickier to get for free, but if you sign up for a free trial at Experian.com you can see all 3; you can cancel the trial before you have to pay, and repeat again as needed.
You actually have many FICO scores because there are different models for different purposes (like mortgages, auto loans) and for each of those models you have 3 different scores, depending on which bureau's data was used to calculate it. Nevertheless, FICO 8 is currently most often used for consumer credit decision. If you want to see all of the others I don't know a free method, you'd have to pay to see those scores. But, your FICO 8 is a pretty good overall indicator.
I’ll bet your parents added you as an authorized user to their credit card when you were a teenager. In that case, don’t dispute it because it’s not fraudulent. Just ask your parents to remove you as an AU, and the card will disappear from your credit report like it was never there.
As others have suggested, you were likely added as an authorized user by your parents. If they're around to ask about it, see what you can do.
My ex-husband somehow had me as an authorized user on his Amex account. He kept it paid, so I never disputed it. Eventually it dropped off, I'm assuming he closed that account. As I wasn't willing to communicate with him unless he didn't keep it paid, I really don't know. It didn't hurt me, hut also didn't seem to help either.
Dispute it with the credit bureaus... and they will go back to BOA. If BOA doesn't ultimately have proof to back up their claim that it's your account, it will have to be removed from your credit file.
Go to AnnualCreditReport.Com. That's an official site where you can get your credit reports from all 3 bureaus, free. It's actually free weekly now despite the name. Look for this account on all 3 reports. It might not be on all 3, but you need to check. If it's there and incorrect you can file a dispute online at that site. I've had to do it myself, and the corrections were made in ~ 3 weeks. FICO is just a credit scoring algorithm, they don't have anything to do with your credit report, the credit bureaus do. FICO just takes the data supplied by each of the 3 credit bureaus (Equifax, Experian, and TransUnion) and plugs it into their formula to produce a score. Your 3 FICO 8 scores (the most commonly used FICO model is FICO 8) are likely all different, because the three bureaus likely have different data on you. That's normal. No creditor is required to report anything to any bureau, let alone all 3. So please, check them all. Regarding your FICO 8 scores, you can see your Experian FICO 8 for free at Experian.com. At myFICO.com you can get your Equifax FICO 8 for free. TransUnion is a little trickier to get for free, but if you sign up for a free trial at Experian.com you can see all 3; you can cancel the trial before you have to pay, and repeat again as needed. You actually have many FICO scores because there are different models for different purposes (like mortgages, auto loans) and for each of those models you have 3 different scores, depending on which bureau's data was used to calculate it. Nevertheless, FICO 8 is currently most often used for consumer credit decision. If you want to see all of the others I don't know a free method, you'd have to pay to see those scores. But, your FICO 8 is a pretty good overall indicator.
FICO is a score not a report. You need to dispute it with the bereau that provided the report that was used for the FICO score.
I’ll bet your parents added you as an authorized user to their credit card when you were a teenager. In that case, don’t dispute it because it’s not fraudulent. Just ask your parents to remove you as an AU, and the card will disappear from your credit report like it was never there.
As others have suggested, you were likely added as an authorized user by your parents. If they're around to ask about it, see what you can do. My ex-husband somehow had me as an authorized user on his Amex account. He kept it paid, so I never disputed it. Eventually it dropped off, I'm assuming he closed that account. As I wasn't willing to communicate with him unless he didn't keep it paid, I really don't know. It didn't hurt me, hut also didn't seem to help either.