Cap1 GW denied again

denver133 · ‎08-13-2014

So I only have 6 baddies reporting on my CRs. Unfortunaly 5 of those are Cap1 cards. (3 were HSBC that went negative at the same time Cap1 bought them)

I have spoken with 4 different people at the EO office multiple times. However this poor girl that called me back, I had to unleash my anger. I feel terrible but I am so tired of seeing all these people get GWs with Cap1. My CO's were a true financial hardship. Every credit acccount I had durring that time shows negative items during that period. I explained that being over $50K in charged off/bad debt, I didn't file BK. I fought back and paid all past due money owed. I could have stiffed them but didnt.

I explained to her that it is not illegal for Cap1 to not report the negative information. I also told her to look at this website and get some true knowledge on what Cap1 might do.

I did notice that one of hte cards which was HSBC that was CO by cap1 does not show any positive info for the 5 years before I had that card. With that being said, incorrect reporting could get that removed no?

My Cards: CSP: $5,000 // Hyatt: $5,000 // Cap1 Venture: $5,000 // US Bank Plat: $3,500 // Discover: $1,000 // AMEX BCE: $1,000 // Lowes: $5,500 // Furniture Row: $3,500 // Buckle Store Card: $750

Current MyFico Scores: EX 687 EQ 696 TU 687 Gardening from 5/15 till 5/16

itswink · ‎08-14-2014

Being rude to them probably got some nasty notes added to your account, the only way a goodwill will work is if you are nice!

Keep attempting the GW, one letter a month.

growing123 · ‎08-14-2014

@denver133 wrote:
So I only have 6 baddies reporting on my CRs. Unfortunaly 5 of those are Cap1 cards. (3 were HSBC that went negative at the same time Cap1 bought them)

I have spoken with 4 different people at the EO office multiple times. However this poor girl that called me back, I had to unleash my anger. I feel terrible but I am so tired of seeing all these people get GWs with Cap1. My CO's were a true financial hardship. Every credit acccount I had durring that time shows negative items during that period. I explained that being over $50K in charged off/bad debt, I didn't file BK. I fought back and paid all past due money owed. I could have stiffed them but didnt.

I explained to her that it is not illegal for Cap1 to not report the negative information. I also told her to look at this website and get some true knowledge on what Cap1 might do.

I did notice that one of hte cards which was HSBC that was CO by cap1 does not show any positive info for the 5 years before I had that card. With that being said, incorrect reporting could get that removed no?

You could send a direct dispute to Cap1 if they're not reporting correctly and there is a chance that they don't have the complete file from HSBC and could delete.

baller4life · ‎08-14-2014

It's a possibility. Give it a whirl.

Anonymous · ‎08-14-2014

I had no luck with Cap One either. Keep your head up and keep trying! Good luck.

JPeanut503 · ‎08-14-2014

My Cap1 GW has not been successful so far either......

Beginning myfico score watch 608 (4/4/14)
EQ 652 (9/17/14) myfico
TU 641 (9/17/14) myfico
EX 671 (9/17/14) myfico
**Goal Score: 700 across the board

Anonymous · ‎08-14-2014

I have had no success with capital one. I have a car loan never late and 2 cards never late with them and they won't GW my old car loan for 1 30 and 1 60 day late payment even though I called at the time, explained that the car fell apart and I was trying to get it fixed. I even traded it in 3 months later and had the loan paid off and they won't take off that 30 and 60 days. I just email or call them every so often. Maybe it will work eventually.