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Did I get GW from Capital One?

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JPeanut503
Frequent Contributor

Did I get GW from Capital One?

So I sent out a third set of letters to Capital One recently and received a letter from them yesterday stating:

 

We've verified that the information on your credit report matches the infomration in our records....

There are no late payments reporting for the months of February 2009, June 2009, and October 2009.

 

We provide information to the CRA's every month.

If you still believe we've supplied incorrect information send us documentation...blah blah

 

I'm looking at my report that was run on 5/30/14 and there are lates on those 3 months!?!? I am so confused.

 

Did I actually receive GW or did they mess up?


Beginning myfico score watch 608 (4/4/14)
EQ 652 (9/17/14) myfico
TU 641 (9/17/14) myfico
EX 671 (9/17/14) myfico
**Goal Score: 700 across the board
Message 1 of 10
9 REPLIES 9
songsofexperience
Frequent Contributor

Re: Did I get GW from Capital One?

Sounds like you'd need to look at a new report.

 

It is confusing though as they don't say, "we're not reporting the lates anymore" or "we've removed the lates." Is it possible they were looking at a different account that didn't have lates in those months? Have you received a CR change alert?

 

 


Starting Score: 2/2013 EQ 535
Current Score My Fico: 5/23 EQ 808| EX 812 | TU 800
Message 2 of 10
JPeanut503
Frequent Contributor

Re: Did I get GW from Capital One?

OH MY!! So I just looked at my TU report and that account has been moved from adverse accounts section to the satisfactory accounts section!!

The strange thing is that instead of "OK" in the months it has X's like they don't have any data. I'm not complaining...it's a positive TL now!! Smiley Happy

 

I'm doing the happy dance over here....finally some good news!


Beginning myfico score watch 608 (4/4/14)
EQ 652 (9/17/14) myfico
TU 641 (9/17/14) myfico
EX 671 (9/17/14) myfico
**Goal Score: 700 across the board
Message 3 of 10
songsofexperience
Frequent Contributor

Re: Did I get GW from Capital One?

Grats! That's awesome. Hoping some of the Cap 1 GW love comes my way.

 

V. happy for you!

 


Starting Score: 2/2013 EQ 535
Current Score My Fico: 5/23 EQ 808| EX 812 | TU 800
Message 4 of 10
dursty87
Established Contributor

Re: Did I get GW from Capital One?

Congrats on your GW success!!
Message 5 of 10
Whitneyy
Valued Contributor

Re: Did I get GW from Capital One?

Congrats! Can you send me the contacts you used? I want to help a friend get an old account that was sold removed!

GOAL - 700 FICO across the board!
Message 6 of 10
JPeanut503
Frequent Contributor

Re: Did I get GW from Capital One?


@Whitneyy wrote:

Congrats! Can you send me the contacts you used? I want to help a friend get an old account that was sold removed!


pm sent


Beginning myfico score watch 608 (4/4/14)
EQ 652 (9/17/14) myfico
TU 641 (9/17/14) myfico
EX 671 (9/17/14) myfico
**Goal Score: 700 across the board
Message 7 of 10
alvon123
Super Contributor

Re: Did I get GW from Capital One?

congrats


Message 8 of 10
Anonymous
Not applicable

Re: Did I get GW from Capital One?

Congrats!!! That's awesome. I just got the exact same letter except it said they were confirming the lates on my accounts and telling the CRAs to list the accounts as disputed. Gee, thanks for nothing Cap One.
Message 9 of 10
NycGirl41
Contributor

Re: Did I get GW from Capital One?

Congrats Smiley Happy

Starting Score (May 2014): 580 TU | 574 EQ | 572 EX
Current Score (April 2015): 673 TU | 650 EQ | 664 EX
         
Message 10 of 10
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