My wife and I are in the process of increasing out credit scores to be able to be able to apply for pre approval for a mortgage. I've read on the forums here that a dispute listed on a report can disqualify me for a mortgage... which brings me here...
Back around July of 2016 I sent a GW letter to Capital One regarding an Open and active credit card. I'd noticed a 30 day late payment being reported in May of 2013. I sent them a GW letter citing the several years of on time payments and having no other late payments and asked for them to discard the 30 day late payment in May of 2013 to help improve my Credit. I didn't ask to dispute or even hint at disputing the records. I actually laid claim to the 30 day late payment and advised I was between jobs and funds were very hard to come by between my myself, wife and , at that time, 3 year old daughter.
I'd noticed a comment being put on my Credit Files as saying "Dispute Resolved; Reported by Grantor" for the account. My issue is this is an active and open credit card account also with the highest Credit Limit so I dont want to close the account and wait 7 years for it to fall off. But I also don't want this Comment to hinder me from obtaining preapproval for a mortgage.
I'm planning to submit another letter asking for the comment to be removed due to the fact that the information was not disputed and attach a copy of the original letter sent to them.
Does anyone else see any other options, or a better idea?
