This is my first time posting this, and I would love to get some opinion / help on this. I have BOA credit card account, which I stopped paying in 2009. I was not in the situation to even settle at that time, and eventually had to leave the country - Just to explain a little bit, I was a year out of school and was jobless for a year which put me in really bad spot. I also had to leave US cause I didn't have green card, while rest of my family were citizens. So, I left US to look for job opportunities.
What I didn't realize at that time was that when I signed up for the credit card, I also added my mom under my account, and seems like my debt is affecting her credit score, although she never used the card. What was really interesting was that she did not receive a single letter or phone call from BOA regarding this issue during the whole time either.
I am just wondering if it's not too late to call them - on the credit report, it is saying the BOA reported charge off in 2011, which was 2 years after I stopped paying. Also I am wondering if it would be possible to ask them to exclude my mom from the account, since she did not use the card issued under her name. Any advice would be appreciated.