I had a similar incident with Capital One.
1. When you call, speak to a manager.
2. Request for a No Longer in Dispute letter (which states you are not in dispute with Capital One and can send to all three CRA via Certfied mail only)
3. Get a copy of your CR in question.
4. Write down everything you need before you call, so you will not forget. Also, Be very nice and respectful with them. Make them feel like He/She is the only one who can help you... "Play the Game"
5. Attempt to speak with one of their representatives in Central or South American. Very, Very, Very, Nice People by far.....
Each time I spoke with someone in Central or South America, the outcome has always been positive.
Example: I had Negative late payments removed (12 months old) and had a dispute removed with no problems and 6 months later, they increased my line of credit by $2000; for which the manager told me the best time Capital One is more likely to give credit increase (October thru December) and what a person should be doing 6 months prior to the request for credit increase. Such as paying down your balance in a steady fashion and below 30% at least 3 times over the 6 months....
In addition, I used a Loan Broker who fix credit for free here in Calfornia, who had many things update on my credit report in 3 days. She told me what to pay and not pay. She also warns, Disputes with Open Accounts are not a good thing. Or to pay off certain Debt, which could mess up your abiity to get a Mortagage Loan. Which I learned is true...
I hope this will help you in some manner.
