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Valued Member
jim20j
Posts: 33
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
Shogun
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

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Regular Contributor
mnosal9
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)

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Contributor
Shinoga
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
mja
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
jufer
Posts: 31
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 +


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Frequent Contributor
Deltadog03
Posts: 345
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.

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Member
jim20j
Posts: 33
Registered: ‎03-05-2013
0

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

PM's sent

good luck everyone!

New Contributor
baby_girl039
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
Cheryla18
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
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