@CH-7-Mission-Accomplished wrote:
Congratulions!
Can you please share with us what you said in your goodwill and the circumstances of the chargeoff? It would help the rest of us a lot in approaching them.
Sure. I lost my job in 2013, got in a slump and just ignored everything since I couldn't pay. This led to defaulted school loans and two charged off CCs(Cap 1 and Chase).
Here's my letter:
Dear representative of the Capital One Executive Office,
How are you today?
I have an out of the box request and I would love to see if you could oblige. I
am in the process of credit restoration to buy a new home, and a negative
factor on my credit report is a charge off from my old Journey Visa card.
Acct #XXXXXXXXXXXXXXXX
Now I do understand the integrity of the credit reporting system, I am also
aware that you all are legally required to report Fair and Accurate information.
Thus not compromising the integrity of the credit game. I am also aware that on a case by case basis, Capital One has allowed goodwill trade line deletions for some customers.
Please understand I am in no way disputing the validity of the report. I am merely asking for an extension to remove this trade line recorded on my account for credit reporting purposes. I realize this is something that is normally not granted. I won’t bore you with a long sob story over why I should receive your favor. Long story short: It was one of my first cards, and after I lost my job, I was unable to make the necessary payments on it. Capital One has already granted me a second chance in the form of a secured card. I am hoping you can grant a second chance for my credit report.
Are you able to review my account and potentially remove this derogatory
reporting?
Please give me an e-mail back or call if someone can discuss this further!
Thanks in advance for reading my letter!
Sincerely,
arrowette
