any Cap 1 late payment removal success?

[Anonymous]

i had a Cap1 chargeoff/pays as agreed from a few years ago.  sent a letter (not cmrr) about 3 weeks ago asking to remove lates....no answer yet..

anyone with any experience here? how long did it take for someone to reply?

[Anonymous]

I've heard several different times, from different people that Cap1, is very difficult to work with in removing lates. One person said they've had luck with calling their back door # and talking to an acct. specialist, in getting one/some removed.

I'm about to venture down that path with them myself, later this month or next.

[Anonymous]

I'm going to be dealing with them soon myself. I've got a 90day late that I'm going to try and get off my report.  I've been paying my card off monthly now for the last year or so and have recently recieved a CLI from them, so hopefully that'll help.

Should I go the GW route first and then work my way up the phone ladder if that does not work? Any/all help would be appreciated

[Anonymous]

I am new to this site and I'm still learning from all the advice that has posted on this site. But, last week I disputed  with credit bureau 1- 30day late for my capital one card from 2004. Account has been paid and closed for two years and they removed the 30day late and it now shows closed/never late.

hope this helps.

[Anonymous]

yeah there seems to be some mixed opinions on how successful removal of lates from Cap1.  some of the posts that i have read on this board and others, have had successs sending GW's,PFD etc.to a specific address for Cap 1. 

a recent post a few weeks ago, posted the actual letter from Cap 1 notify the sender  to the delete of the account due to "not on record".  I think his happens when you pay off and account (even less than agreed), and after 12-18 months they purge that info from the system, thus when you disoute or inquiry they have no record of the account, and therefore delete.

i used the address on the letterhead of that notification (different address than any other i have seen, posted and on record) to send my GW for delete of lates.  just havent heard back,  maybe i am too optomistic?

[haulingthescoreup]

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@Anonymous wrote:
sent a letter (not cmrr) about 3 weeks ago asking to remove lates....no answer yet..

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Probably was a good idea to NOT send GW's cmrrr. That kind of looks a bit hostile on the receiving end...

[Anonymous]

haulingup,

yup, i agree.  not when im asking for a favor....

[SmartCookie]

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xinl0707x wrote:

I am new to this site and I'm still learning from all the advice that has posted on this site. But, last week I disputed  with credit bureau 1- 30day late for my capital one card from 2004. Account has been paid and closed for two years and they removed the 30day late and it now shows closed/never late.

hope this helps.

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That is helpful xinl0707x, thanks for sharing that.  Awesome that they didn't remove the entire TL!

[SmartCookie]

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mymy wrote:

yeah there seems to be some mixed opinions on how successful removal of lates from Cap1.  some of the posts that i have read on this board and others, have had successs sending GW's,PFD etc.to a specific address for Cap 1. 

a recent post a few weeks ago, posted the actual letter from Cap 1 notify the sender  to the delete of the account due to "not on record".  I think his happens when you pay off and account (even less than agreed), and after 12-18 months they purge that info from the system, thus when you disoute or inquiry they have no record of the account, and therefore delete.

i used the address on the letterhead of that notification (different address than any other i have seen, posted and on record) to send my GW for delete of lates.  just havent heard back,  maybe i am too optomistic?

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Nah, sometimes it takes a while.  Cap1 is so crazy to figure out how to fix... I suppose that's why we've begun a counter-intelligence faction here!  Seems to depend on so many personal factors on one's account.  How long ago did you send it?  I'd give it at least a month before I got antsy... 2 months before I resent.

[FretlessMayhem]

I tried sending the GW to them and was shot down. Then, I tried called the Account Specialists number provided on another thread and gave them my absolute best sob story and was shot down escalating to 3 separate supervisors.

They gave me the number to the CEOs and I am going to try that one next.