Rebuilding Your Credit

[glamchick]

I had 2 30 day late bad markings on my credit report from Capital One's mistake.  They faxed me a letter stating they will have them removed from the CB's  I would also like to send to the CB's.  Should i dispute them or mail the CB's a letter? I tried faxing my fax machine is not working.

[gbishere]

Most of the time they will just mail you a lettter stating that they notified cra's to delete.

[MarineVietVet]

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glamchick wrote:

I had 2 30 day late bad markings on my credit report from Capital One's mistake.  They faxed me a letter stating they will have them removed from the CB's  I would also like to send to the CB's.  Should i dispute them or mail the CB's a letter? I tried faxing my fax machine is not working.

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I would wait 30-45 days and see if Cap 1 follows through with their promise to delete.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[RobertEG]

Dont involve the CRA at this point.

CRAs delete based on reportings done by the creditor.  They will never delete, if the credtior has not reported a deletion, based on your request.

If the credtior does not honor their agreement to report a deletion to the CRA, then my next action would be to file a direct dispute with the creditor under FCRA 623(a)(8).