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So.....I have 9 late payments because I was dumb and thought my small capital one card had been paid off. Quite simply - I thought I paid the account in full and hadn't. The email statements went to junk - I never got them. All the sudden I get a demand letter, I look, and immediately pay it off in 3 months. They suspended the credit. The card is open, but they won't let me use it. I don't care to use it. HOw can I go about getting the lates removed from my CR? The account is in "good standing" and shows as available credit.
If the lates are accurate then your option is to send them good will letter.
You will have to send them GW letters explaining the circumstances and see if they will removed the lates. You could call them also.
Okay - thank you. I will do that!
You don't have your private messenging turned on. If you send me a message, I can reply with some helpful information.
Oh! Okay - let me go turn that on. Thank you.