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I sent a goodwill e-mail last week to the CEO of Credit One asking for removal of the trade-line after I paid in full to Midland. I got an e-mail from the office saying they were reviewing my request and would contact me by mail. Well, today I woke up to a myFICO alert and saw that the charge-off has been removed from all three CRAs!
I still have some charge-offs so my score wasn't affected but I'm slowly chipping away.
Congrats! I guess they were feeling good because I did this last week via email to the CEO as well, and yesterday my Credit One Charge-off was removed as well! Jumped my Experian Mortgage score up from 595 to 618. Hoping the same will happen with my Capital One account as well. Nice work
Can either of you PM me the email address?
Nice!!!! I'm super hopeful I caught them still in a good mood! I sent my email this week. Got an email back a couple hours later that they will review. No changes yet.
I noticed it's been a few days, didn't see this! If you still need the email address, inbox me!
@aircobra wrote:Can either of you PM me the email address?
I would appreciate the email address as well! One of the last "baddies" I need to take care of. Please PM me.
Lucky you! They told me they had no financial interest and were reporting correctly and would not remove the charge off tradeline from my report Even though Midland is paid in full.
Just a suggestion here, but you should consider freezing the following credit reporting agencies: sagestreem, lexusNexus, Innvosis, Ars. Once you freeze these credit reporting companies. You should dispute anything "bad" in your credit files. Once you freeze thoses accounts, it will be very diffcult for transunion, equifax, and experian to verify any information, you are disputing