Reply
Established Member
Posts: 15
Registered: ‎08-20-2012
0

Cap One Success!!

Hello everyone,

I've been working to repai my credit since July and have had amazing success thus far. In may my scores across the board were 519, today they've increased to 640 to 667. One service says my equifax is 730.

I'll explain in another post what I've done but lets talk about cap one. A little over a month ago I sent out a gw letter to cap one and didn't get a response. Through researching the site, I found a few ppl that had success going through the online chat. So on Friday I decided to try it out. Just mentioned I've been a valued customer for over 5 years and am in the process of getting my first home. However, have 2 lates on my credit report. Without hesitation the rep said she's getting them removed!! Excited to see what impact it has. Soooo the learning experience is sometimes the simplest things can have great results!!
Regular Contributor
Posts: 167
Registered: ‎09-07-2012
0

Re: Cap One Success!!

Thats great news!

Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Cap One Success!!

Congrats

Contributor
Posts: 97
Registered: ‎06-04-2012
0

Re: Cap One Success!!

That is awesome! I just got a resonse back saying that all the information on my report is correct. :/ Im going to try the chat right now. How did you start the convo? Im afraid they wont do it because i have on 90 day late and a few 60 day lates back to back :smileysad: due to some financial hardships. 

Established Member
Posts: 15
Registered: ‎08-20-2012
0

Re: Cap One Success!!

It's worth a shot!! I was just really really nice and polite. If the person you get doesn't help, close out and try another. Just takes 1 person willing to help!
Contributor
Posts: 97
Registered: ‎06-04-2012
0

Re: Cap One Success!!

[ Edited ]

Thank you! I just got really excited, but trying not to get my hopes up. 

 

*Update* no luck, the CSR just directed me to CRA websites. :/ 

Moderator
Posts: 13,761
Registered: ‎04-15-2011
0

Re: Cap One Success!!

Very nice...  Congrats!



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!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.