Happy tears!! Capital One GW Success!!!

Anonymous · ‎08-04-2016

I had a charge off on my credit report from 2014 in the amount of $543 dollars. It was from my Capital One CC that ended up going into default when I lost my job. I sent my letter by email on Tuesday and received a call today from a lady in the executive office saying that she had approval to remove the account from my reports and that she would also be sending out a letter confirming this. I am hoping for atleast a small bump in my score once it's removed! By the way, that was the THIRD GW letter I had sent to them. The first two times they denied my request. Don't give up if they deny you at first!!!

Anonymous · ‎08-04-2016

You sent an email or a letter? was it to a specific person?

Anonymous · ‎08-04-2016

I am so happy for you!! Cap1 is awesome. They are by far IMO the most forgiving creditor!!

Congratulations!!

Anonymous · ‎08-04-2016

Great job
How frequently did you send the letters and did you send the same letter each time ?

izzesparks · ‎08-04-2016

@Anonymous wrote:
I had a charge off on my credit report from 2014 in the amount of $543 dollars. It was from my Capital One CC that ended up going into default when I lost my job. I sent my letter by email on Tuesday and received a call today from a lady in the executive office saying that she had approval to remove the account from my reports and that she would also be sending out a letter confirming this. I am hoping for atleast a small bump in my score once it's removed! By the way, that was the THIRD GW letter I had sent to them. The first two times they denied my request. Don't give up if they deny you at first!!!

SO HAPPY FOR YOU!!! BUT This worries me about my own situation a little, I sent them a GW also my third try and they called me today and I missed their call smh. What if he was calling to approve my request and changes his mind tomorrow

Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700

Take the FICO Fitness Challenge

Anonymous · ‎08-04-2016

@Anonymous wrote:
I had a charge off on my credit report from 2014 in the amount of $543 dollars. It was from my Capital One CC that ended up going into default when I lost my job. I sent my letter by email on Tuesday and received a call today from a lady in the executive office saying that she had approval to remove the account from my reports and that she would also be sending out a letter confirming this. I am hoping for atleast a small bump in my score once it's removed! By the way, that was the THIRD GW letter I had sent to them. The first two times they denied my request. Don't give up if they deny you at first!!!

Would you mind sharing what you sent over?

Anonymous · ‎08-09-2016

Following

frio · ‎08-09-2016

I would love the Cap 1 contact as well if possible !!

Starting Score: 589 / TU: 600
Current Score: 696 / TU: 696
Goal Score: 700 / TU: 700

Take the FICO Fitness Challenge

righthererightnow · ‎08-09-2016

congrats!

Anonymous · ‎10-06-2016

nchilders,

congrats! i have one recent 30 day derog on my report from capital one, been with them 7+ years this is the only late payment i've ever had. however, i haven't had any success in getting them to remove it. would it be possible to share the GW letter you used and the address you sent it to? i figure it may be helpful to see what approach you used and have sometihng to go off of when i am writing mine. also want to make sure it ends up in the right place.

thank you!