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Established Member
stargirlzz94
Posts: 31
Registered: ‎08-07-2013
0

Help..Delinquency?!

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!!!
Frequent Contributor
Laugh
Posts: 254
Registered: ‎12-29-2012
0

Re: Help..Delinquency?!

If it is accurate, Capital One is not obligated to remove it.

You can try, but most likely it'll be a no.

Advice: Next time set up auto payment.
Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k
Valued Contributor
FinStar
Posts: 6,582
Registered: ‎10-21-2012
0

Re: Help..Delinquency?!


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.

Valued Contributor
FinStar
Posts: 6,582
Registered: ‎10-21-2012
0

Re: Help..Delinquency?!


Laugh wrote:
If it is accurate, Capital One is not obligated to remove it.

You can try, but most likely it'll be a no.

Advice: Next time set up auto payment.

+1


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