Reply
Valued Member
Posts: 34
Registered: ‎03-05-2013
0

Goodwill letter to Capital One to remove paid chargeoff, Success!

[ Edited ]

Long Success story short:

-Fell behind on payments on a Capital One card in 2007.

-Charge-off'd 2007,

-I was served in 2009,

-Won Judgment against me (I was a no show, mixed up court dates)

-Garnished my wages,

-10 months later, it was paid off on June 2010.

 

April 9th 2013

Searched this forum and found several GW letters that matched true to my situation and spliced them together. Sent a Goodwill letter stating:

1. My deepest regret for falling behind

2. Gave my reasoning that I was currently separated and involved in preliminary divorce proceedings and had 2 household to financially take care of.

3. Recognized my responsibility and have been up to date with current accounts ever since.

4. Was trying to get better interest rate on a mortgage, but this negative mark kept me from accomplishing that.

5. Requested kindly an "adjustment" to the credit bureaus.

6. Thanked them for the consideration they've given my current situation.

 

10 days later, (yes 10 days)

Alert from myFico, account was deleted from all 3 CRA's! Unfortunately since this was my 2nd to oldest account, score did not go up, but it's off my record 1 year earlier than it should have been. (7 years for IL)

 

The Judgement on my record for this account is in process of being vacated as well, that's another thread.

 

 

*EDIT *

This is the only info I have and used for the above post:

 

Capital One Services , LLC
P.O.Box 30285
Salt Lake City, UT 84130-0285


800-258-9319

Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

Nice work so far, keep at it!


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!
Regular Contributor
Posts: 236
Registered: ‎05-06-2008
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

Congrats!!! who did you contact from Capital One? Pm me please :smileyhappy: im working with Cap 1 now too cant find success though

Starting: 6/2012 : EX: 485(FAKO) EQ: 490(FICO) Trans: 482(FAKO)
Current : 4/2014: EX: 650(FICO) EQ: 664 (FICO) Trans: 681 (FICO)

Cards: NPSL Amex Green (AU), $11500 Discover IT, $4000 Quicksilver One, $3500 Bank of America Travel Rewards,$3000 Amex BCE,$3000 Quicksilver One, $3000 AA, $2500 Sallie Mae MC, $5000 Citibank AA, $1500 Barclay, $1200 Macys
~Back to the Garden~

Goal Score: 700 Across!

Gardening til 8/2014!!
Contributor
Posts: 99
Registered: ‎06-04-2012
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

I would like to know who you mailed it to also please, I've sent them letters but no luck.


MY FICO = 690 CK=660 GOAL = 750 and my own house!..Back in the garden

Valued Member
Posts: 41
Registered: ‎08-08-2012
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

Nice job.  Would you PM me the contact info as well.  I have not had any success with CapOne.  Thanks!

Valued Member
Posts: 33
Registered: ‎01-24-2013
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

Can you pm the email address .Similar case for me. Thanks

Starting Score: EQ 566,TU 567 12/2012Current Score: EQ 640,TU 747, EX 705,8/2013
Fico EQ 672, Fico TU 722, Fico EX 674,

Goal Score: 750 +


Take the myFICO Fitness Challenge
Established Contributor
Posts: 513
Registered: ‎02-14-2013
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

WOW!  Congrats!  I would like to know what email as well.  I have been told no a couple of times now as well.

EQ FICO 8: 628 AUTO: 650 BANKCARD: 640 3/3/2015
TU FICO 8: 632 3/3/2015
EX FICO 8: 675 AUTO: 678 BANKCARD: 680 3/3/2015
CCD Util: 14%

Goal: 700 Across the board
Valued Member
Posts: 34
Registered: ‎03-05-2013
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

PM's sent

good luck everyone!

New Contributor
Posts: 60
Registered: ‎02-28-2008
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

Congratulation!! I have a charge-off but paid with them as well. I haven't had any luck with them at all. Could you PM the contact info as well? Thanks





The only reason men fail, something broke their focus
Frequent Contributor
Posts: 449
Registered: ‎10-13-2009
0

Re: Goodwill letter to Capital One to remove paid chargeoff, Success!

Congrats!! Job Well Done!!! I need to work with them 1 of mine deleted as well. Will you please PM me the contact info as well? I am trying to get my cleaned up so I can purchase my 1st home EVER, for me and my children.

 

Thank You

Cheryl

myFico EQ 612 (8/14) 596 (2/14) 574 (12/13) 497(1-7-13
myFico Exp 626 (2-10-14) 602 (11-17-13)
MyFico TU 618 (2-10-14) 589 (11-17-13)
Current Goal 640
Final Goal. 700

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.