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OMG IT REALLY WORKED!!!!

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Quantarra
New Contributor

OMG IT REALLY WORKED!!!!

So im reading on the forum how you can use the chat for Capital One to have your lates removed. So i log into my account and start a chat session long story short the rep told me it will take 30 days for it to update and that they will be removed and i had 2 30 day lates im overjoyed right now!!!! THANK YOU i love this forum im learning so much!!!

Fico=642 Exp=680(perCU) TU=660
Goal=anything over my current scores,,,,,,
Message 1 of 24
23 REPLIES 23
webhopper
Moderator Emeritus

Re: OMG IT REALLY WORKED!!!!

Wow congrats@@!!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 2 of 24
SLR72689
Frequent Contributor

Re: OMG IT REALLY WORKED!!!!

Congrats! Didn't work for me!

Message 3 of 24
DiabolicallyRandom
Established Contributor

Re: OMG IT REALLY WORKED!!!!

Congrats!  

Message 4 of 24
Quantarra
New Contributor

Re: OMG IT REALLY WORKED!!!!

How long ago did you try
Fico=642 Exp=680(perCU) TU=660
Goal=anything over my current scores,,,,,,
Message 5 of 24
Mikeur86
Established Member

Re: OMG IT REALLY WORKED!!!!

Where did you find the link to chat them? I have some old delinquencies that are about to fall off in Nov, Dec...trying to see if I can get them off sooner. Thanks!


Starting Score: 526 EQ 564 TU 520 EXP (03/11/13 Lender)
Current Score: 661 EQ(04/08) 600 TU(04/03 Lender) 604 EXP(04/03 Lender)
Goal Score: 750


Take the myFICO Fitness Challenge
Message 6 of 24
Quantarra
New Contributor

Re: OMG IT REALLY WORKED!!!!

You have to log into your account and it at the upper right side of screen
Fico=642 Exp=680(perCU) TU=660
Goal=anything over my current scores,,,,,,
Message 7 of 24
Quantarra
New Contributor

Re: OMG IT REALLY WORKED!!!!

I'm sorry upper left side
Fico=642 Exp=680(perCU) TU=660
Goal=anything over my current scores,,,,,,
Message 8 of 24
DaBears
Senior Contributor

Re: OMG IT REALLY WORKED!!!!


@Mikeur86 wrote:

Where did you find the link to chat them? I have some old delinquencies that are about to fall off in Nov, Dec...trying to see if I can get them off sooner. Thanks!


If your lates are going to drop off this yr I would not miss or try to get them off. 

Message 9 of 24
Lemonlimez
Member

Re: OMG IT REALLY WORKED!!!!

I had a chat with them a month ago and the chat said they would remove them.. they refunded me my late fee charge but it remained on my CRs Smiley Sad I emailed them and they said they have to report accurate info and wouldn't delete 1 - 30 day late from a few months ago.

January 2013 @ 30 yrs old learned a hard lesson how my BAD spending history came back to bite me, now I am in journey to rebuild my credit and purchase a home in 2015.
Message 10 of 24
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