Capital One Goodwill ?

[peme6040]

Tonite I was chatting online w/ a supervisor from Capital One regarding a different issue, but asked about getting 2 30-day late payments from 2008 dropped as a gesture of Goodwill.  He said he couldn't make any promises, but would send in a request of discrepencies to the credit bureus regarding this issue and I would know within 60-90 days the decision.  To me, this sounds like I'm disputing the late payments, which I told him I am not.  Am I correct in the way this sounds or is this truely the "process" of a Goodwill?

[gdale6]

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@peme6040 wrote:

Tonite I was chatting online w/ a supervisor from Capital One regarding a different issue, but asked about getting 2 30-day late payments from 2008 dropped as a gesture of Goodwill.  He said he couldn't make any promises, but would send in a request of discrepencies to the credit bureus regarding this issue and I would know within 60-90 days the decision.  To me, this sounds like I'm disputing the late payments, which I told him I am not.  Am I correct in the way this sounds or is this truely the "process" of a Goodwill?

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They dont send disputes to the CRAs, CRAs just report what they send to them. Maybe they are sending it to their internal disputes dept and I would probably give it 30 days to get a response then I would start GW letters to the Exec Office. Personally the 60-90 day time period to hear is just a brush off...

[kaylord84]

They will dispute with CRA's this happen to me also . I filed a complaint with CFPB and the lates were gone within 2 days YMMV