12-12-2012 10:21 PM
I usually don't post on sites but I figured this may help someone. Had a 30 day late on a Cap 1 credit card in March. Decided to pay a well known credit repair company to help me get it removed along with some others. After 9 months of disputing every 45 days no luck. I'm trying to get a mortgage and really need this 30 day removed. I took to google and found this site yesterday at work. I read through a huge number of threads last night and decided to give some of the solutions a try.
This morning I used the backdoor number to Cap 1 and spoke with an acct specialist. This person could not have been more nice. I told the truth I explained I had a mis-step and I'm trying for a mortgage can they make a goodwill adjustment to remove the 30 day late. They told me they would send the corrected information to the 3 credit bureaus and I would receive a letter in 2 weeks then it will take 30-90 days for the CB's to update. So I wont call it a success until I see the late removed but I will update when it happens.
This site is pretty awesome can't wait to try more solutions with my other creditors.
12-12-2012 10:28 PM
Hello and welcome to the forums.
Congrats! It'll feel great when that is removed and clear the path for your mortgage. Good Luck!
12-12-2012 10:40 PM
can you please pm me the contact info. I called to the executive office this morning and got the big NO! I too had a 30 day late in jan 2012 that I would love to see remove. Thanks in advance.
12-13-2012 05:43 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.