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Capital One is Going to Delete My Late Payments

Frequent Contributor

Re: Capital One is Going to Delete My Late Payments

Well, I am in shock and awe!!!  Could someone PLEASEEEEEEE pm me the number.  I have a hunch that my battle with Capital One may not be over...


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 11 of 88
Frequent Contributor

Re: Capital One is Going to Delete My Late Payments

Guys seriously just try  the chat first.  They deleted!  All I did was ask for assistance in removing 2 lates.  The chat rep verified my info, asked for the month/yr of the lates, and (their words) initated the dispute to remove the negative reporting.  They will send me a letter to confirm within 10 days, and said to please allow 60-90 days for the bureaus to update!  AMAZING!!!

 

Thanks OP Shaun for sharing your experience. 

 



Last HP 8/29/14

Message 12 of 88
Frequent Contributor

Re: Capital One is Going to Delete My Late Payments

Hey Rain, that is great.  I remember when you was asking me about Chase...you are on a roll!!!


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 13 of 88
Established Contributor

Re: Capital One is Going to Delete My Late Payments

DF is still having the same lack of luck online... Maybe he's doing something wrong lol, what'd you do?  

 

He's getting the same stuff as usual,

"We can't change anything once it's submitted."

"Contact the CRBs if there's an error, not us."

"Can you prove you made the payment?" (from 2.5 years ago...)

 

He's not patient enough to keep trying 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!)
Message 14 of 88
Frequent Contributor

Re: Capital One is Going to Delete My Late Payments

Thanks birjest.  Yes, things are going well.  I got a few more I am going to try the chat method on...

 

Modernsurrender (hope I spelled it right) Have you tried just doing a chat?  If not give a whirl!  Be sweet as pie.  When I first started, I said Hi and included the chat reps name.  They asked how I was, I said well, and I hope the same for you.  Then I asked for assistance in removing 2 lates as a goodwill adjustment.  Rep said understands good credit reporting and the rest is history.  No phone call, no questions. 

 

I will add, this is still an open, active account, if that may make a difference.



Last HP 8/29/14

Message 15 of 88
Frequent Contributor

Re: Capital One is Going to Delete My Late Payments

Well, I just got off the phone with them.  It was a no-go.  They informed me that they could not remove it, and yes, my account is closed.  Oh well, the late are 4 years old, might as well let them die off in 3 years.


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 16 of 88
Established Contributor

Re: Capital One is Going to Delete My Late Payments


Rain77 wrote:

Thanks birjest.  Yes, things are going well.  I got a few more I am going to try the chat method on...

 

Modernsurrender (hope I spelled it right) Have you tried just doing a chat?  If not give a whirl!  Be sweet as pie.  When I first started, I said Hi and included the chat reps name.  They asked how I was, I said well, and I hope the same for you.  Then I asked for assistance in removing 2 lates as a goodwill adjustment.  Rep said understands good credit reporting and the rest is history.  No phone call, no questions. 

 

I will add, this is still an open, active account, if that may make a difference.


Thanks Rain,

 

He just did try chat, those were quotes from the most recent chat lol.  He's in CS so he's always personable and good about using names... His account is also 10 years old, open and in good standing with them (although his util is high lol).  It's the ONLY baddie on his CR, period, which is why he'd like to get rid of it.  He just doesn't seem to be getting lucky online or on the phone with anyone he speaks with.

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!)
Message 17 of 88
Frequent Contributor

Re: Capital One is Going to Delete My Late Payments

Birjest, I'm thinking they are more forgiving on open accts. 

 

Modernsurrender - My acct is about 10yrs old to.  I just recently got the util down to 0, I use it, but pay it off monthly before due date.  I say, keep chatting it up! Good luck!  I'm still shocked myself.   If only HSBC saw things may way....



Last HP 8/29/14

Message 18 of 88
Established Contributor

Re: Capital One is Going to Delete My Late Payments

Thanks for the encouragement Rain Smiley Happy  I'll try to keep him at it!  

 

And good luck with HSBC!

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!)
Message 19 of 88
Frequent Contributor

Re: Capital One is Going to Delete My Late Payments

modernsurrender - I'm hoping it just disappears Smiley Happy and thanks!



Last HP 8/29/14

Message 20 of 88