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Super Contributor
Posts: 6,677
Registered: ‎04-07-2008
0

Cap one GW fail

I used the contact info that was given to me to contact cap one and get this only one 30 day late from Feb 2009 removed.

 

Got the one page letter saying they have to accurately report the information and thus cannot remove this late.

 

SO far not having much luck with the GW's

 

 




Established Contributor
Posts: 961
Registered: ‎02-07-2011
0

Re: Cap one GW fail

It's a slow process and some creditors are harder than others. I send probably dozens of emails and letters before I got my first "yes" but I've had a few successes and they've had a really positive impact on my credit score so all I can say is... keep plugging away!

Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
Jan 2012 Current Scores: FICO EQ 604 FICO EX ??? TU98 623
Feb 2012 Goal Scores: EQ 620 EX 620 TR 620 (or just the middle to be 620!!)
Super Contributor
Posts: 6,677
Registered: ‎04-07-2008
0

Re: Cap one GW fail

New Contributor
Posts: 77
Registered: ‎03-20-2011
0

Re: Cap one GW fail

[ Edited ]

***deleted***

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

Re: Cap one GW fail


treefrogger wrote:

623 until someone slips up.


What's the basis for the dispute?

Highlighted
Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010
0

Re: Cap one GW fail

Wow, sounds like a frivolous dispute - don't know what the consequences could be.  They're unlikely to sue you for harrassment, but they must have SOME remedy to repeated frivolous disputes.

 


treefrogger wrote:

623 until someone slips up.


 

 


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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