Credit Card Center Advertiser Disclosure

Valued Member
Posts: 33
Registered: ‎03-05-2008
0 Kudos

Capital One Frustration

I was 120 days late last year and my account got "restricted".  When I called the CSR informed me I had to reapply so I was going to let it go.  All 3 bureaus report the account as open with the late present.  After 2 GW rejections I decided to reopen the account but yesterday was informed that account is over and done and I would get a completely different account if approved.  The account got locked last summer so I don't know why they are still reporting as being open.  If I ask for a correction I am afraid my score will suffer.  Kinda up against a wall cause this late is killing my score but getting nowhere with GWs.  Thoughts?

Regular Contributor
Posts: 160
Registered: ‎01-28-2012
0 Kudos

Re: Capital One Frustration

I have the same situation with an account that was permanently suspended in 2007 and is still reporting towards utilization on my cr.  I am assuming the late payments will fall off in a couple years and will be happy to have the cl report towards my util as long as they leave it in place. 

I recently read a thread about using the online chat to have it deleted.  The rep told me they would check for any discrepencies and report accordingly to the bureaus.  I am HOPING they delete the lates, or even the suspended tradeline in its entirety but I am guessing nothing will change.


Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!

Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.