Credit Card Center Advertiser Disclosure†
12-26-2012 01:31 PM
12-26-2012 01:52 PM
12-26-2012 03:18 PM
I don't want to give up either... Just a bit discouraging. Ill be sending out another round tomorrow.
Does anyone have any suggestions? Any keywords I should try? In my letters I say that I love capital one and recommend them to my family and friends... Yada yada.. Just basically giving and ego boost. Nothing seems to work!
I would definitely write them again but send via US Mail. In the letter I would state:
The circumstances of why were delinquent and that you paid the debt off (unexpected job lay of, illness, etc.)
Mention that positive reaging is legal and there are guidelines by the FFIEC on positive reaging.
Also mention that you would like the opportunity to reestablish a relationship with Cap One.
05-14-2013 07:21 AM
I would be interested in the address as well. I have been GWing them since Jan and the same letter (different) date keeps being sent saying they are reporting accurately.
05-14-2013 08:53 AM
Just got a call back after emailing the executive office for a gw adjustment. And no luck. Was told that everything is reporting correctly and it is against the law to report false information... Also got a letter back after snail mailing a gw letter to their UT address stating that everything was reporting correctly blah blah blah. Seems like Cap1 isn't not willing to budge on removing my lates. Any suggestions? It feels like I've done everything under the sun- emails, phone calls, snail mail, chat... Starting to feel slightly discouraged.
Mind if i ask who signed the letter they sent you?
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.