Reply
Contributor
rkb84
Posts: 80
Registered: ‎09-28-2012
0

Cap 1 goodwill fail

I tried a goodwill letter for some old charge off from 07 with them, that had been paid off. Wrote a nice letter and got a call back today from a lady at exec relations. Said they reviewed it and was unable to delete the tradeline or any lates becasue the info was accurate.. oh well might as well not have even called. Don't really get how these places work, do you have to just catch them in a good mood or what? Anyone know about someone there that is knows for doing this for people?

 

Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
0

Re: Cap 1 goodwill fail

Keep trying, my third try was the one that worked. And I called. Sometimes, its harder for them to say no on the phone. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Contributor
rkb84
Posts: 80
Registered: ‎09-28-2012
0

Re: Cap 1 goodwill fail

So just try to get different people ?

Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
0

Re: Cap 1 goodwill fail

Yes. I asked for a deletion, and they told me they could not authorize that, so I asked for a supervisor. I gave her an honest story, about my hubby getting his job shipped overseas, and that it was really hard for us, and now we want to buy a home. She eventually gave in (I kept her on the phone for a good 45 mins), and it was deleted within a week. Don't give up!! 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+