Reply
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
0

GAH!! Cap1 is sooooooooooo frustrating.

So there was an update this past weekend concerning my Cap1 CO. After the update, it was still reporting a balance of $253. I called the Exec office and got the 60-90 day speil and even retorted with, "why does it take cap1 so long, when I can have stuff updated/removed overnight?" <silence>. I was then told that when an account was settled Cap1 has to wait 30days to get the information from the CA before the balance will be reflected appropriately.

 

That's fine. I can deal with that, albeit, it's frustrating as hell.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: GAH!! Cap1 is sooooooooooo frustrating.

Patience just isn't word that goes with a name like  madmann26.  Lol,  seems like the bad can be reported instantly, but to fix something takes at least 30 days.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
0

Re: GAH!! Cap1 is sooooooooooo frustrating.

You have no idea Shogun. LOL.

 

That's fine though. I'm think that when it updates again it'll give me another little boost in score since my utilization will drop to 0 and there will multiple "payments" over the course of multiple months.

 

Thoughts?


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: GAH!! Cap1 is sooooooooooo frustrating.

You're thinking like I'm thinking, so I think your thinking is good.  I think.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.