Reply
Established Contributor
SwiftTone
Posts: 1,024
Registered: ‎02-27-2012

Capital One GW sucess...well sort of...

[ Edited ]

I just called the Capital One back door number for account managers, and spoke to a nice guy named Ben. I asked him if he could removed a late payment back in 01/2010, as I am trying to clean up my credit report. He understood my request, and said himself that he recently had to do the same thing. He fulfilled my request, and is going to send letters to all 3 CRAs. He said it can take up to 60 days for the CRAs to make the correction.

 

Next I asked him to removed 2 other lates on another account. He couldn't do it because the account was closed back in 09/2010 under the "suspense" status. It became suspense because I wasn't paying the bill. But I did eventually pay it, without it charging off and going into collections. He recommended me writing some GW letters.

 

So all in all, not too bad of a start for my GW journey. I didn't think it was going to be this easy. Here are the 2 addresses that he gave me to write the letters too.

 

for registered mail:

Capital One

15000 Capital One Drive

Richmond, VA 23238

ATTN: 63001-0125

 

 

Hope this helps! 

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$10,000, Citi Dividend: $0/$2000

EQ FICO - 742
TU FICO - 730
EX FICO(AMEX) - 712
Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012

Re: Capital One GW sucess...well sort of...

Thanks.  I'll try it before those addresses are flooded from fellow myFICO'ers

 


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012

Re: Capital One GW sucess...well sort of...

I also just today had success calling one of the backdoor numbers provided for Capital One and asking for a GW on a 30 day late from 1/2011 (18 months ago). Not only were the account supervisors extremely friendly and personable, they promptly reviewed my entire account history and deleted the lates, reported the updated information to all three CRAs, and sent me a letter stating that I had a totally clean payment history.

 

I have to admit, I probably wouldn't have tried this without the advice and success stories y'all have provided.

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: Capital One GW sucess...well sort of...

:smileyhappy:  well at least they ACTUALLY did something for ya. BIG CONGRATS on that!!!!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Member
Getbiggerscores
Posts: 6
Registered: ‎05-20-2012

Re: Capital One GW sucess...well sort of...

Can you please pm me the number that you used thank you
Frequent Contributor
csol47
Posts: 253
Registered: ‎06-10-2011

Re: Capital One GW sucess...well sort of...

Not to rain on the parade but I had an identical experience, twice. Then I got a letter in the mail stating that the information was accurate and that the reports would not be updated. Best of luck but, I wouldn't hold my breath. No to get all Debbie Downer or anything but that's my experience with this exact situation and 30 day lates.

Starting Score: TU 680 FAKO
Current Score: EQ 721 FICO TU 784 FICO
Goal Score: 850


Take the FICO Fitness Challenge
Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012

Re: Capital One GW sucess...well sort of...

Thanks for the heads up. I guess we shall see. 

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012

Re: Capital One GW sucess...well sort of...

Well, it didn't work. AT least I don't think it did. After being reassured several times that they were removing the specific late I asked them to GW and that they would send a letter to myself and the CRAs saying the same, they sent me a letter that verified several OTHER months as paid on time, but not the ONE MONTH they specifially said they were going to change to paid on time. AFter doing some research, I see that this is a common tactic of theirs to get you off the phone. Geez! I don't expect them to agree with me, but I certainly didn't expect them to LIE to me and then do something totally different.

 

-SB

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Frequent Contributor
csol47
Posts: 253
Registered: ‎06-10-2011

Re: Capital One GW sucess...well sort of...

I was going to send a letter off to the CEO but Peggy was so sweet. I'd feel a little guilty if she lost her job. Although, perhaps she'd get a promotion.


Starting Score: TU 680 FAKO
Current Score: EQ 721 FICO TU 784 FICO
Goal Score: 850


Take the FICO Fitness Challenge
Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012

Re: Capital One GW sucess...well sort of...

Just got off another 30 minute call. Took a third  (in one call) account "supervisor" just to make it clear that I didn't care about late fees, I just wanted to have them delete the late and to send a letter to all three agencies to delete the late. I must have finally said just the right words, because he seemed to finally relent and say he would do specifically that. Everyone was friendly and I was told several times how much my business was appreciated. We shall see. Hopefully, this isn't more of the same. I'll keep you posted.

 

-SB

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+