04-24-2012 04:39 PM - edited 04-24-2012 04:40 PM
I have 3 late payment with Capital One. All in consecutive months from last fall. Anyway, I just started my credit repair today and they said they'll get them deleted by all 3 of the credit bureaus. I am not sure how much late payments affect my credit score as I am new to all of this, but I'll take it, especially since they're my only late payments on the report.
04-24-2012 04:45 PM
How did you do it?
04-24-2012 04:49 PM
I went on the chat line, they then gave me a number to call for past due/collections account. I talked to a nice young lady and politely asked her if she could do it for me. It took about 20 minutes of waiting, but she eventually got back to me and confirmed that they have sent the request to all 3 credit bureaus and that it should be completed quickly. It's funny what happens when you're nice to people. I know that being kind doesn't always work, but everyone would rather talk to someone polite on the phone than someone mean spirited. I really let her know that I was being a big headache and how much I appreciated the work she did for me. She laughed. I laughed. Happy days ahead!
04-24-2012 06:41 PM
I had the same experience today! I called the customer service line, spoke with a really nice woman, who said she would dispute my last few late payments to the CRAs for me. I was in complete shock especially after hearing all of the horrible experiences others have had with CapOne. Actually, take that back, I think I'm still in shock
04-24-2012 06:43 PM
Would you mind PMing me the phone number you used? My DF has called several of the "backdoor" numbers on the forums with no luck at all - none of them even seem to understand what he's asking them when he says, "My credit report shows I had a late payment 2.5 years ago, it's the only late payment showing on any of my accounts at all - would it be possible to adjust the reporting to reflect that I wasn't late (since I'm not even sure I was)?"
They all tell him his account is current and up to date... Then they transfer him repeatedly lol
04-24-2012 06:51 PM
Lol. I just PM the # I used. Good luck!
04-24-2012 08:08 PM
i would love to have that # as well, please.
04-24-2012 08:20 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.