Capital One deletion?

[Anonymous]

I called Capital One, spoke with the manager spaecialist.  Informed/asked him to remove my 3 late payments in 2007.

he said..to far to go back and change it, however I will send you a letter stating account is in good standing. and send it to CRA to verify. I said thanks.

I got a letter yesterday stating account paid in full. 

Do I dispute my lates with the CRA or call back and disputes the lates with the OC, since he said to far to go back in the computer and change it?

[Anonymous]

Does the account report on your CR as PIF?

Are the lates legit?

[Anonymous]

PIF---yes

Lates--legit.

as I GW he will said he would take care of it with the letter.  he said the lates are to old to change in his computer.

I guess he can't go back that far.

[Anonymous]

Hate to be the bearer of bad news, but that letter really doesn't do you any good. It doesn't state that the lates should be removed, only that the account is PIF. It is already reporting this way, so no point in sending the letter.

[Anonymous]

so---should I dispute the lates on my report with the CRa, maybe thats what he was saying or should I call capital one again?

[Anonymous]

---

@Anonymous wrote:
so---should I dispute the lates on my report with the CRa, maybe thats what he was saying or should I call capital one again?

---

You can't dispute the lates with the CRAs - they are valid lates and are, in fact, reporting correctly.  Your only option is to continue to send GW letters and hope for just that - Goodwill - in receiving the late payments but capital one are notoriously difficult to get lates removed by.

[Anonymous]

this account is the OC....does that change the manner to deal with this.

[Anonymous]

---

shannon13 wrote:
this account is the OC....does that change the manner to deal with this.

---

Nope, if the lates are legit, your only option that will/can be discussed here is GW.

[Anonymous]

ok...I just pulled my experian CR, my Cap. One is in good standing OPEN/Never Late

Do I call equ/Tu and ask if they have that reporting as well?  Or do I send a fax for the other 2?

[Anonymous]

that account had 9 lates.....