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Finally Got Lates Remove "Cap 1"

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tendertan
Frequent Contributor

Finally Got Lates Remove "Cap 1"

I tried and tried to get my lates removed off my Capital One Card, via GW letter, emails and phone calls.  Well only got disapponted when they took my GW letter as a form of a dispute and it showed up as such!  my score took a nosedive!  I didnt give up so I called and talk to an EO that wasn't trying to even acknowledge any form of GW, they claim they don't do GW's and that if I hear people saying that they do then they are lieing.  Stating that they can't remove accurate information from my report, no matter what the circumstances are.  I tried numerous of times with EO'S Email address I was given and Nothing.  So I took a break for about 6months and I just refused to stop trying, so last week I got a tip of a different EO number to call and I did.  Spoke with a nice Lady and I explained my rollercoaster experience with trying to get the Lates remove, and the reason how I incurred Late payents to start with. Pointed out that I am not disputing them that indeed I was late and so fourth.  I been a customer for 8 years with them,  and I have proven my creditworthiness and by having them lates stay on my report its hurting me in pursuing purchasing a home and continue to excell in the credit world; especially with Capital One.  She told me that she would handle my case personally and she would call me next week on updating where she's at with working on getting my lates removed, if she could at all.  Got the phone call today from the same EO an she told me that all 3 CB'S will reove the lates!  Also last week I complained about my 8year card limit (1,400 QS1)  told her I was unhappy with the limit and that my 6month old card with them the score is doubled that.  Its a shame and embarrassment to have the toy limit especially its been 8years.Thats been reviewed too, so far haven't heard anything on the CLI, but I thought I share this long winded but true story of mine.  Maybe it'll help someone on here!

Message 1 of 29
28 REPLIES 28
Revelate
Moderator Emeritus

Re: Finally Got Lates Remove "Cap 1"

Most excellent!  Now if I could only do that with BOFA I'd be bouncing around the room Smiley Happy.




        
Message 2 of 29
CH-7-Mission-Accomplished
Valued Contributor

Re: Finally Got Lates Remove "Cap 1"


@tendertan wrote:

I tried and tried to get my lates removed off my Capital One Card, via GW letter, emails and phone calls.  Well only got disapponted when they took my GW letter as a form of a dispute and it showed up as such!  my score took a nosedive!  I didnt give up so I called and talk to an EO that wasn't trying to even acknowledge any form of GW, they claim they don't do GW's and that if I hear people saying that they do then they are lieing.  Stating that they can't remove accurate information from my report, no matter what the circumstances are.  I tried numerous of times with EO'S Email address I was given and Nothing.  So I took a break for about 6months and I just refused to stop trying, so last week I got a tip of a different EO number to call and I did.  Spoke with a nice Lady and I explained my rollercoaster experience with trying to get the Lates remove, and the reason how I incurred Late payents to start with. Pointed out that I am not disputing them that indeed I was late and so fourth.  I been a customer for 8 years with them,  and I have proven my creditworthiness and by having them lates stay on my report its hurting me in pursuing purchasing a home and continue to excell in the credit world; especially with Capital One.  She told me that she would handle my case personally and she would call me next week on updating where she's at with working on getting my lates removed, if she could at all.  Got the phone call today from the same EO an she told me that all 3 CB'S will reove the lates!  Also last week I complained about my 8year card limit (1,400 QS1)  told her I was unhappy with the limit and that my 6month old card with them the score is doubled that.  Its a shame and embarrassment to have the toy limit especially its been 8years.Thats been reviewed too, so far haven't heard anything on the CLI, but I thought I share this long winded but true story of mine.  Maybe it'll help someone on here!


Congrats!

 

Would you mind PM-ing me the contact person's phone number or email?  I have some lates I have been tackling as well.  Thanks!

Message 3 of 29
tendertan
Frequent Contributor

Re: Finally Got Lates Remove "Cap 1"

Thank you, that Lady made my day yesterday!  Now i should be 100% with on time payment history.  Since the acct is old , shall I expect a a lil bump in scores?

 

Message 4 of 29
EW800
Valued Contributor

Re: Finally Got Lates Remove "Cap 1"

Outstanding.   Congratulations!  Smiley Happy

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 5 of 29
Anonymous
Not applicable

Re: Finally Got Lates Remove "Cap 1"

Congrats on your success and thank you for giving hope to lots of us here.

Can you please pm the number you used if possible?
Message 6 of 29
Anonymous
Not applicable

Re: Finally Got Lates Remove "Cap 1"

Congrats with those!  That is super!  Smiley Very Happy

Message 7 of 29
hairguyry
Established Member

Re: Finally Got Lates Remove "Cap 1"


@Revelate wrote:

Most excellent!  Now if I could only do that with BOFA I'd be bouncing around the room Smiley Happy.


Ain't that the truth. If you get anywhere, let me know and I'll do the same

Message 8 of 29
Anonymous
Not applicable

Re: Finally Got Lates Remove "Cap 1"


@tendertan wrote:

I tried and tried to get my lates removed off my Capital One Card, via GW letter, emails and phone calls.  Well only got disapponted when they took my GW letter as a form of a dispute and it showed up as such!  my score took a nosedive!  I didnt give up so I called and talk to an EO that wasn't trying to even acknowledge any form of GW, they claim they don't do GW's and that if I hear people saying that they do then they are lieing.  Stating that they can't remove accurate information from my report, no matter what the circumstances are.  I tried numerous of times with EO'S Email address I was given and Nothing.  So I took a break for about 6months and I just refused to stop trying, so last week I got a tip of a different EO number to call and I did.  Spoke with a nice Lady and I explained my rollercoaster experience with trying to get the Lates remove, and the reason how I incurred Late payents to start with. Pointed out that I am not disputing them that indeed I was late and so fourth.  I been a customer for 8 years with them,  and I have proven my creditworthiness and by having them lates stay on my report its hurting me in pursuing purchasing a home and continue to excell in the credit world; especially with Capital One.  She told me that she would handle my case personally and she would call me next week on updating where she's at with working on getting my lates removed, if she could at all.  Got the phone call today from the same EO an she told me that all 3 CB'S will reove the lates!  Also last week I complained about my 8year card limit (1,400 QS1)  told her I was unhappy with the limit and that my 6month old card with them the score is doubled that.  Its a shame and embarrassment to have the toy limit especially its been 8years.Thats been reviewed too, so far haven't heard anything on the CLI, but I thought I share this long winded but true story of mine.  Maybe it'll help someone on here!


The best way to get a CLI is to use the card A LOT. Run it right to its limit and pay it down frequently each month. CLI's are based more on usage patterns than scores.

Message 9 of 29
tendertan
Frequent Contributor

Re: Finally Got Lates Remove "Cap 1"

I PM'D you!  Thank you all, but I got the number from another member on here Cartwna.   So just spread the love and Good luck to whom all it might be able to help.

Message 10 of 29
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