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Capital One Charge Off

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RedHeadGirlLA
New Contributor
‎05-25-2016 04:16 PM
‎05-25-2016 04:16 PM

Capital One Charge Off

Please send good vibes.

 

I sent a goodwill letter to Capital One's EO office a few days ago, in the hopes someone would respond.  A day later I got a phone call from a super nice lady asking me how she could help.  I pleaded my case and she promised to be my advocate.  She said they will put my case up for review and I would hear back in 3 -5 days on what they decide.  Fingers crossed. 

 

I asked them to remove the paid charge off on my account.  Does anyone have a similar story or guidance?

Message 1 of 7
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EW800
Valued Contributor
‎05-25-2016 04:19 PM
‎05-25-2016 04:19 PM

Re: Capital One Charge Off

Best wishes!  From all that I have read, CapOne can be a tough one, however there are success stories out there!  

 

How old is the paid charge-off?

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 2 of 7
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RedHeadGirlLA
New Contributor
‎05-25-2016 04:26 PM
‎05-25-2016 04:26 PM

Re: Capital One Charge Off

@EW800 wrote:

Best wishes!  From all that I have read, CapOne can be a tough one, however there are success stories out there!  

 

How old is the paid charge-off?

 

 

It's not too old...three years.

Message 3 of 7
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EW800
Valued Contributor
‎05-25-2016 04:31 PM
‎05-25-2016 04:31 PM

Re: Capital One Charge Off

Please let us know what you hear back from them!

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 4 of 7
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Anonymous
Not applicable
‎05-25-2016 05:00 PM
‎05-25-2016 05:00 PM

Re: Capital One Charge Off

Good luck. They were kind enough to remove all of mine though the collection agency is still there having capital one disappear did help.
Message 5 of 7
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RonM21
Valued Contributor
‎05-25-2016 05:03 PM
‎05-25-2016 05:03 PM

Re: Capital One Charge Off

Best of luck on this!!


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 6 of 7
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RedHeadGirlLA
New Contributor
‎06-01-2016 10:20 AM
‎06-01-2016 10:20 AM

Re: Capital One Charge Off

Just got a phone call.  No Luck Smiley Sad

Message 7 of 7
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