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New Contributor
Posts: 65
Registered: ‎02-09-2013
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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,,,,,,
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: OMG IT REALLY WORKED!!!!

Wow congrats@@!!


Starting Score: 08/29/2011 TU 671 EQ 674
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Frequent Contributor
Posts: 387
Registered: ‎02-15-2013
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Re: OMG IT REALLY WORKED!!!!

Congrats! Didn't work for me!

Established Contributor
Posts: 849
Registered: ‎03-09-2013
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Re: OMG IT REALLY WORKED!!!!

Congrats!  

New Contributor
Posts: 65
Registered: ‎02-09-2013
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Re: OMG IT REALLY WORKED!!!!

How long ago did you try
Fico=642 Exp=680(perCU) TU=660
Goal=anything over my current scores,,,,,,
Established Member
Posts: 17
Registered: ‎03-20-2013
0

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


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New Contributor
Posts: 65
Registered: ‎02-09-2013
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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,,,,,,
New Contributor
Posts: 65
Registered: ‎02-09-2013
0

Re: OMG IT REALLY WORKED!!!!

I'm sorry upper left side
Fico=642 Exp=680(perCU) TU=660
Goal=anything over my current scores,,,,,,
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
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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. 

Member
Posts: 10
Registered: ‎06-12-2009
0

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 :smileysad: 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.
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