04-16-2007 06:06 AM
04-16-2007 05:45 PM
Hi all, I am trying to get a 60 day late removed from a Capital One account. I have had no lates in my 22 months with them and also no lates on my report since 2003. I made double payments last month and the account has been current since day 61 of the 60 day late period but they still reported it. It is crushing my score and I need a mortgage. I have tried the telephone and wrote them a letter asking for a one time removal based on good history and explained that I was away for a job for 6 weeks during that time. No real response yet, they are putting me off so far. Do I have any hope, any suggestions? thanksThey may be willing to do a goodwill for you. I just see in my experience that C1 is in the business of keeping you credit profile as low as possible. That keeps their portfolio theirs alone and prevent you from seeking other credit or at least attempting to
04-16-2007 05:48 PM
04-16-2007 05:59 PM
tooscope2 wrote:Thanks for your help brammy. Would it work to play a little hardball with them. I will be able to pay off their card in the next month or two and close the account. Should I play the remove it and i will stay a loyal customer or threaten to close. They have no proof i can really pay it off but I can and will.What do you think?Don't play that game until you're at 0 blance. Then sweetly call and request to close your card. The relationship manage will ask how they can help you or what you don't like. Tell them you LOVE the card and really hate to lose it but after requeting a 60 day good will and being turned down you really feel you have no other choice. Its all a matter of trust and all that
04-16-2007 06:01 PM
04-17-2007 06:33 AM
04-17-2007 06:57 AM - edited 04-17-2007 06:58 AM
04-17-2007 06:59 AM
04-17-2007 07:04 AM
04-17-2007 09:35 AM - edited 04-17-2007 09:43 AM
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