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Cap 1 deleted an old account :)

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alienfico
Frequent Contributor

Cap 1 deleted an old account :)

Yippie!  I came home today to find a letter that Cap1 deleted an account from my credit report.....but it may take up to 60 days to update the info on my CR.

This account was tied in directly to a Portfolio Recovery Associates collection account....now they can fall off my CR as well Smiley Happy  

 

Happy, happy... Smiley Happy  Yippie

Starting: TU:515, EX:521, EQ:528
Current: TU:700 EX:706 EQ:674
FICO Goal: 725
Cap1 Venture $11,000AU, First Progress $500, Cap1 QS $1750, FH$600, Open Sky $300, Cap1 $500, BestBuy $1500 Target $1800
Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: Cap 1 deleted an old account :)

That's a great fealing isn't it?!

Message 2 of 15
taxi818
Super Contributor

Re: Cap 1 deleted an old account :)


@alienfico wrote:

Yippie!  I came home today to find a letter that Cap1 deleted an account from my credit report.....but it may take up to 60 days to update the info on my CR.

This account was tied in directly to a Portfolio Recovery Associates collection account....now they can fall off my CR as well Smiley Happy  

 

Happy, happy... Smiley Happy  Yippie


Congrats will all the success. Wish i could get my only paid collection off. Brighthouse network. 4 years old.

My score would fly. Smiley Sad

Message 3 of 15
alienfico
Frequent Contributor

Re: Cap 1 deleted an old account :)


@taxi818 wrote:

@alienfico wrote:

Yippie!  I came home today to find a letter that Cap1 deleted an account from my credit report.....but it may take up to 60 days to update the info on my CR.

This account was tied in directly to a Portfolio Recovery Associates collection account....now they can fall off my CR as well Smiley Happy  

 

Happy, happy... Smiley Happy  Yippie


Congrats will all the success. Wish i could get my only paid collection off. Brighthouse network. 4 years old.

My score would fly. Smiley Sad


It is going to happen taxi818 - you've got good karma coming your way 

Starting: TU:515, EX:521, EQ:528
Current: TU:700 EX:706 EQ:674
FICO Goal: 725
Cap1 Venture $11,000AU, First Progress $500, Cap1 QS $1750, FH$600, Open Sky $300, Cap1 $500, BestBuy $1500 Target $1800
Message 4 of 15
myjourney
Super Contributor

Re: Cap 1 deleted an old account :)

Congrats Wooo Hoooo 

Nicely done 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 15
Whitneyy
Valued Contributor

Re: Cap 1 deleted an old account :)

Who is the Brighthouse with? I got mine off, but it was with Credit Management at the time. Also, congrats to the OP!
GOAL - 700 FICO across the board!
Message 6 of 15
taxi818
Super Contributor

Re: Cap 1 deleted an old account :)

Mine is with credit protection associates. But the problem is. It is already paid. They have no incentive to remove. Since. 0 balance.
Message 7 of 15
Zorasmiles
Established Contributor

Re: Cap 1 deleted an old account :)

Congrats!!  Another credit score suppressor lifted!

FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them.
Message 8 of 15
SunriseEarth
Moderator Emeritus

Re: Cap 1 deleted an old account :)

Congrats!

 

Now if only Cap One would delete my settled CO...



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 9 of 15
Whitneyy
Valued Contributor

Re: Cap 1 deleted an old account :)


@taxi818 wrote:
Mine is with credit protection associates. But the problem is. It is already paid. They have no incentive to remove. Since. 0 balance.

Have you tried GWs? 

GOAL - 700 FICO across the board!
Message 10 of 15
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