07-25-2007 08:23 AM
Capital One Bank
RE: Account #:
Dear Madam or Sir:
I am writing to see whether Capital One would consider making a goodwill adjustment to the credit reporting bureaus on my closed account. I am asking whether Capital One would remove the adverse late payment and charge-off reporting from this account in reporting to the credit bureaus. I understand this is a rather unusual request—particularly as this account fell behind upwards of 120 days and was settled for less than the full amount.
Starting in 2003, I have been in the United States Army. I have spent the past 2 ½ years overseas in South Korea. The person that I had left responsible for paying my account on time did not live up to my expectations. Several payments were missed and account was eventually charged off. I had been completely unaware of this.
If what I ask is too much, then any goodwill adjustment to the reporting bureaus would be most appreciated.
Regardless of your decision, please know that I thank you for helping me at a time when it was needed, and I hope to do business with Capital One again one day.
07-26-2007 04:57 PM
07-26-2007 05:59 PM
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