Rebuilding Your Credit

[Kemikals]

So I called Capital One, I inquired about a 60 day late I had when I went to boot camp in 09. They said they couldn't see that far back and was absolutely nothing they could do. I was wondering if anyone thought this was someone being lazy or truthful. I've heard of Cap One deletions before. To include some more information this is an active account. Anyway, I was wondering if anyone had any good email addresses or phone numbers they could message me in a chance for some more good luck. I havn't missed a payment in almost 2 years.

[llecs]

They are being lazy. I've called them for DW's CO and my lates and (then anyway) they would archive everything outside of X years. I think it was 2 years if I'm remembering right. When I called them I had to be transferred around before I finally found someone who could research that.

There's have been quite a bit of success lately with GWs by using the address on your CR.

[Kemikals]

Thank you very much, i'll try sending my next GW to that address.

[dharalex]

Ilecs, were you successful with your calls?

[llecs]

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dharalex wrote:
Ilecs, were you successful with your calls?

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DW had the PFD and resorted to writing mostly (because I don't sound like DW), but I did manage to speak to a couple of folks within CapOne on her behalf and they game be the same "it's not in our records" line. It was in their records because they updated it monthly and sent their own collection letters. That's when I learned the frontline CSRs lacked this info and there's a whole another department that handles the old stuff.

For my lates, I was successful in getting a 30 and 90 removed after a phone call, but on TU only.

[dharalex]

I see, said the blind man. Isn't that crazy? If they take lates off of one CRA, why not the others. I just noticed 2 BOA 30d lates are off on TU, I hope the others follow. TU is my lowest, so at least it will help that score!