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Capital One Late Payment

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Sobo
New Contributor

Capital One Late Payment

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.

5/17/13 Starting 627
Current Score 776
Goal 800
Message 1 of 6
5 REPLIES 5
lae_lae
Regular Contributor

Re: Capital One Late Payment

If the lates are accurate then your option is to send them good will letter.

Message 2 of 6
guiness56
Epic Contributor

Re: Capital One Late Payment

You will have to send them GW letters explaining the circumstances and see if they will removed the lates.  You could call them also.

Message 3 of 6
Sobo
New Contributor

Re: Capital One Late Payment

Okay - thank you. I will do that!

5/17/13 Starting 627
Current Score 776
Goal 800
Message 4 of 6
Bell536
Contributor

Re: Capital One Late Payment

You don't have your private messenging turned on.  If you send me a message, I can reply with some helpful information.

 

Clean up CR for home purchase.Started on 04/16/2013.
04/16/13 EQ 536,TU 537,EXP 552 Lender pull
04/30/13 EQ 602 MYFico.com 05/12/13 EQ 614 / TU 595 MYFico.com
05/18/13 EQ 625 MYFico.com,614TU 5/28 EQ 625 Mid Score 621 TU
05/31/13 EQ 663 MyFico!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Message 5 of 6
Sobo
New Contributor

Re: Capital One Late Payment

Oh! Okay - let me go turn that on. Thank you.

5/17/13 Starting 627
Current Score 776
Goal 800
Message 6 of 6
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