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Capital One is Going to Delete My Late Payments

Valued Member

Re: Capital One is Going to Delete My Late Payments

Just received a letter from CapOne....the late was NOT deleted.

 

This is so frustrating, I think I've spent well over $100 just in stamps on GWs, but NOTHING is falling off.  Smiley Mad


Starting Score: 505 1/15/12
Current Score: 745 6/20/16
Goal Score: 750


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Message 41 of 88
New Member

Re: Capital One is Going to Delete My Late Payments

I just got off the chat with capital one and since my account is labeled "restricted" technically open but I can't use it, they can't follow the normal channels that they would.  I have to call an account specialist to see what my options are.  Sounds like I'm never gonna get this removed.

Starting (6/6/12): EQ-529 EX-517 TU-481
Goal: 700+
Message 42 of 88
New Visitor

Re: Capital One is Going to Delete My Late Payments

Just got off the chat as well- they said they couldn't remove my late because they can only access the last 6 months of activity on my account.


Starting Score: 568
Current Score: 563
Goal Score: 650


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Message 43 of 88
New Member

Re: Capital One is Going to Delete My Late Payments

I called monday to get a late removed from about 6 months ago. I also had issues with over the phone payments where they had my acct number wrong to my bank. They hit me with a 30 day late. I have sent a goodwill letter and did an online dispute. Got their generic acct is accurate letter both times. called twice and was told they would dispute it and recieved the same letter again and now monday I finally asked to talk to the supervisor and was transferred to another lady who said she could see exactly what was going on and would request a goodwill delete. She said it should be off my score in 60 to 90 days.... I have a feeling im gonna get the same letter...

 

Message 44 of 88
Established Contributor

Re: Capital One is Going to Delete My Late Payments

Would appreciate any back door numbers or emailaddress's to cap1 

CS 728- 01/13 from 554-12/11
Goal: 800
Message 45 of 88
Regular Contributor

Re: Capital One is Going to Delete My Late Payments

No such luck for me...a specialist told me they are unable to delete late payments unless an error was done on their part Smiley Sad

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 46 of 88
Member

Re: Capital One is Going to Delete My Late Payments

Could you PM the number to me as well?

 

Thank you!!

Message 47 of 88
Regular Contributor

Re: Capital One is Going to Delete My Late Payments

Captial one totally deleted mine over chat! It works. Had two 30 days past due and I got an awesome agent to help. Loved that you can print the log so you have it documented. Thanks for the idea, I would never have thought of this on my own!


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


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Message 48 of 88
Highlighted
Established Contributor

Re: Capital One is Going to Delete My Late Payments

Congrats on the lates removal

Message 49 of 88
New Member

Re: Capital One is Going to Delete My Late Payments

Tried calling in today and they flat out said no.  Persistence will hopefully pay off

Message 50 of 88