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OMG IT REALLY WORKED!!!!

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
Moderator Emeritus

Re: OMG IT REALLY WORKED!!!!

Wow congrats@@!!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 2 of 24
Frequent Contributor

Re: OMG IT REALLY WORKED!!!!

Congrats! Didn't work for me!

Message 3 of 24
Established Contributor

Re: OMG IT REALLY WORKED!!!!

Congrats!  

Message 4 of 24
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
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
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
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
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
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