Capital One Charge Off

[Anonymous]

Hello,

I CONTACTED CAPITAL ONE REGARDING A OLD CHARGE OFF FROM 1 YEAR AGO AND ASK THEM FOR a GW adjustment. On my credit report it says 43 lates. EO Capital One said they sent a letter to each creit bureau to remove all the lates from my credit report. Hope i see a big differance in my report soon.

[Anonymous]

Congrats!  Nicely done!

[Anonymous]

with the abundance of lates removed but the CO still there should i see a differance >

[Anonymous]

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@Anonymous wrote:

Hello,

I CONTACTED CAPITAL ONE REGARDING A OLD CHARGE OFF FROM 1 YEAR AGO AND ASK THEM FOR a GW adjustment. On my credit report it says 43 lates. EO Capital One said they sent a letter to each creit bureau to remove all the lates from my credit report. Hope i see a big differance in my report soon.

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@Anonymous @ "*OLD* charge off from 1 year ago....

[Anonymous]

and

[Anonymous]

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@Anonymous wrote:

and

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LOL. No offense intended - I just found it a bit funny. I tend to think of "old" items as 4-7 years old.... Maybe because i'm a bit long in the tooth myself, 1 year seems a very short length of time.

[Anonymous]

Not sure if lates removed from a charged off account will improve your scores. You should attemp a GW to remove the charge off.

[RobertEG]

The CO is a major derog, and its presence still leaves you in a less favorable scoring category, or "bucket", and I would suspect that removal of the prior delinquencies will not have significant effect.

By definition, a CO has multiple prior delinquencies, whether reported or not.  I would assume that reporting of a CO is considered by Fair Isaac to include the obvious fact of multiple prior delinquencies, and is cumulative.