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Member
Posts: 11
Registered: ‎04-24-2012
0

Capital One is Going to Delete My Late Payments

[ Edited ]

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.

Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
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Re: Capital One is Going to Delete My Late Payments

How did you do it?

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Member
Posts: 11
Registered: ‎04-24-2012

Re: Capital One is Going to Delete My Late Payments

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!

Regular Contributor
Posts: 230
Registered: ‎04-17-2012

Re: Capital One is Going to Delete My Late Payments

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 Smiley Surprised


Starting Score: EQ=567, TU=564 4/17/12
Current Score: 4/29/12 EQ 629 TU 618 (both FICO
Goal Score: 750

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Established Contributor
Posts: 805
Registered: ‎02-01-2008
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Re: Capital One is Going to Delete My Late Payments

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

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Regular Contributor
Posts: 230
Registered: ‎04-17-2012
0

Re: Capital One is Going to Delete My Late Payments

Lol. I just PM the # I used. Good luck!


Starting Score: EQ=567, TU=564 4/17/12
Current Score: 4/29/12 EQ 629 TU 618 (both FICO
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Posts: 650
Registered: ‎03-01-2012
0

Re: Capital One is Going to Delete My Late Payments

i would love to have that # as well, please.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Regular Contributor
Posts: 104
Registered: ‎07-18-2011
0

Re: Capital One is Going to Delete My Late Payments

I would love that number as well. Thanks!
Equifax 712 transunion 693experian 673
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Valued Member
Posts: 33
Registered: ‎03-05-2008
0

Re: Capital One is Going to Delete My Late Payments

Congrats on the deletion.  Can you PM me the number too please?  I have called once and sent to GW letter with no luck yet.

New Visitor
Posts: 1
Registered: ‎04-24-2012
0

Re: Capital One is Going to Delete My Late Payments

[ Edited ]

I too need the number urgently.

 

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