I had a delinquency of a 30 day late payment on my cap1 secured card however it shows on my credit report every other months were ok. I'm about to reach my 1 year on this card as well. Should I go to the branch and ask someone if its possible to remove the delinquency? Is it possible? If not what should I do? Thanks in advance!!!
@stargirlzz94 wrote: I had a delinquency of a 30 day late payment on my cap1 secured card however it shows on my credit report every other months were ok. I'm about to reach my 1 year on this card as well. Should I go to the branch and ask someone if its possible to remove the delinquency? Is it possible? If not what should I do? Thanks in advance!!!
If the derogatory mark is factual and accurately reporting, then it cannot be removed. You can contact their CS department or you could escalate to the EO channel to explore other options. You may also need to entertain the option of a GW letter to see if they would be willing/able to remove it. If all these efforts fail, then as with most cases it is what it is.
