Reply
New Member
Posts: 10
Registered: ‎04-27-2013
0

I need a little bit of clarity on something that just happened.

I just contacted capital one (through their customer support chat) and politely asked if I could get all of my past due alerts taken off my credit score. The lady was very helpful and said "I can file a dispute for past late charges, they will be sent to the 3 bureaus and you should see them take effect in 30-90 days". I'm very new at this and this was my first attempt to get anything removed from my score. The "dispute" threw me off a little and I just wanted to make sure that is what I needed to happen from you guys. I documented the whole conversation. Basically my question is, will this remove all my late capital one payments from my credit report? Also wanted to say thank you to this forum two days in and I have gained so much information!
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: I need a little bit of clarity on something that just happened.

I really don't know how to take that reply.  A dispute and removing lates are 2 different things.  A dispute is saying you disagree with the lates.

 

I would be worried they are verified.  But I have also seen where they initiate a dispute and don't respond.

 

 

New Member
Posts: 10
Registered: ‎04-27-2013
0

Re: I need a little bit of clarity on something that just happened.

But would a company be able to file a dispute for me? What action should I take? She said I would see the effects on my credit report in 30-90 days, but she defiantly said "dispute".
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: I need a little bit of clarity on something that just happened.

New Member
Posts: 10
Registered: ‎04-27-2013
0

Re: I need a little bit of clarity on something that just happened.

Hmmm. Now I'm not nearly as happy as I was. She said it would be all of my past due charges. But I suppose there is not good way for me to know what they have done..
Thank you for your help though. I appreciate it.
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: I need a little bit of clarity on something that just happened.

New Member
Posts: 10
Registered: ‎04-27-2013
0

Re: I need a little bit of clarity on something that just happened.

Not all but a majority. I would say 75%
New Member
Posts: 10
Registered: ‎04-27-2013
0

Re: I need a little bit of clarity on something that just happened.

Let me clarify, she told me that they would dispute all late charges to the credit buroughs from capital one, capital one makes up ~75% of my late charges on my credit report.

Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: I need a little bit of clarity on something that just happened.

New Member
Posts: 10
Registered: ‎04-27-2013
0

Re: I need a little bit of clarity on something that just happened.

Yes I apologize. Late payments. Not the charges.
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.

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.