Cap One Help / Suggestions

blauthsp · ‎06-18-2014

This one is totally killing my Credit card utilization!

Below is the next baddie I need to clear up.... Cap One has validated.

I have a few questions:

1.) How should I go after this one?

2.) When would this fall off?

3.) Are they supposed to keep updating as 120+ like they are?

Opened - Oct, 2007

Last Activity - May, 2009

Credit Limit - $500

Descriptions [?]

Charged off account
Account closed by credit grantor

30 days late - 1 time

60 days late - 1 time

90+ days late - 27 times (Apr 2014, Mar 2014, Feb 2014, Jan 2014, Dec 2013, Nov 2013, Oct 2013, Sep 2013, Aug 2013, Jul 2013, Jun 2013, May 2013, Apr 2013, Mar 2013, Feb 2013, Jan 2013, Dec 2012, Nov 2012, Oct 2012, Sep 2012, Aug 2012, Jul 2012, Jun 2012, May 2012, Oct 2009, Sep 2009, Aug 2009)

12/29/13 - EQ 580 EX 540 TU 578 (Here we go again!)
04/10/08 - EQ 618 EX 612 TU 633
10/23/07 - EQ 559 EX 611 TU 544
08/24/07 - EQ 490 EX 485 TU 502

Shogun · ‎06-19-2014

1. Pay it off if you want it to stop figuring into your util.

2. Not enough info. DoFD would be somewhere between 10/2007 and 05/2009

3. They are the OC of an unpaid debt. They can post lates anytime.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

blauthsp · ‎06-19-2014

Gotcha! Thanks Shogun

12/29/13 - EQ 580 EX 540 TU 578 (Here we go again!)
04/10/08 - EQ 618 EX 612 TU 633
10/23/07 - EQ 559 EX 611 TU 544
08/24/07 - EQ 490 EX 485 TU 502