CAPITAL ONE NIGHTMARE!!!!!!!!!!! HELP GUYS plz!!

[takeshi74]

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@Anonymous wrote:

please help me with advice and would love some wisdom and damn the man!!! cap one sucks and I cant believe im suffereing for their mistake!!!

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Take responsibility for your actions and don't blame CO.  As you said yourself:

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@Anonymous wrote:

so the whole thing startewd bu me being 118 days past due on a credit card

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Do not be late. Ever. You must have 100% on time Payment History. Consider this: http://www.myfico.com/crediteducation/whatsinyourscore.aspx

Hit the Rebuilding subforum and carefully research.  At this point you can try to negotiate a PFD.  Do whatever it takes in future to avoid derogs.

[Anonymous]

And keep in mind that the credit system is very forgiving. Once the system sees you are doing things correctly, your score will rise faster than you expect. Remember, they WANT you in the system. You are their Customer.

[OMW2_HighAcheiver]

Is it ok to say some of these comments are out of control?

I digress.......

[elim]

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@OMW2_HighAcheiver wrote:
Is it ok to say some of these comments are out of control?

I digress.......

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  We are all individuals.  It's the way it is.  Not our position to weigh other comments either, lol, even if they are way off course or not useful      :]

[OMW2_HighAcheiver]

Oh, I see, that's for the Mods to do.....10-4.

[gdale6]

Lets all remember to keep our comments friendly, supportive and most of all respectful. I thank you for it in advance  

http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/td-p/2905196