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You can try to GW Cap one but I understand chances are slim. Are the derogs accurate from the time period in which the account was derog? If so they can be reported that way. The good news is that now that they are paid of there is n chance for them to be sold to new CAs. They will effect your scores less and less as time passes.
overwhelmed wrote:
I had a cap one card with a 200 CL. It went to collections in 2002. I paid it in full - after interest it was $1200. This was before I read this forum....anyways, it was paid off in 2005. Now, it shows the account as deragatory but paid collection and many lates and the collection is showing as paid collection and then there is one cap one listed in good standing - as the one I paid back.I want to get the derog cap one fixed on my CR. How do I go about this? Should I GW and if so, do I just say that I paid it back and ask if they could remove the derog?
overwhelmed wrote:
Sorry - I have more questions!1. On my CR's, it shows paid charge off, late 180+ days, derog... etc.When I send the GW, do I ask to completely remove all negative info or specifically ask for listing account in good standing?2. I don't have an account number. Is it okay to just put my SS#?3. I have an address from my CR as Glen Allen, VA. Does anyone have a better address or fax number?
Not sure which address you are looking for. The GW should be sent to the original creditor.