Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012
Re: Finally my 1st success!! Capital one delete!

Good for you! Good luck with the last one.:smileyvery-happy:


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

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Chase freedom 800 Never take NO for an answer!!
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
Re: Finally my 1st success!! Capital one delete!

And this is why I told you to take a few days off and that there was No. Quitting. Allowed.

Sometimes you just need a short break, even if it's a day, and days might start happening.

 

Congrats!

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Regular Contributor
proudnavymom
Posts: 232
Registered: ‎11-29-2008
Re: Finally my 1st success!! Capital one delete!

freshstart2012 wrote:

Thanks guys!  Super excited.  I definitely have a boost to keep going now :smileywink:

 

annielorie, they are deleting the entire TL from my DH's CR.  He used to have 2 Capital One cards several years ago that went into default.  This one was charged off but still owned by them.  I sent them a PFD offer worth $500 (current balance is $1,700).   For some reason they just decided to delete without payment.  I get to use the $500 toward other debts now.

 

His second Capital One card might be a different story.  He defaulted on both of them at the same time but for some reason the one that they are going to delete was never sold to a CA.  The other one was sold to Asset Acceptance.  I have sent them a PFD.  If it works then I will GW Capital One.

 

To those requesting info, I'm sending PMs your way :smileyhappy:


Good luck with Asset Acceptance.  I just paid a settlement with them that they offered, but haven't gotten them to agree to a deletion yet.  I am still waiting for it to be updated on my CR and then I plan on GWing them.  Congratulations on the delete and best of luck with this one.  

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 6/3/2013 FICO 653 EQ 7/11/2013 FICO 653 EX 6/15/2013 650 FICO
Goal Scores 700 across the board
R2R
New Member
R2R
Posts: 1
Registered: ‎03-13-2012
Re: Finally my 1st success!! Capital one delete!
That is awesome!!! Can you please PM me contact info for Capital One. I'd really appreciate it. Thanks!
Regular Contributor
jocleveland
Posts: 181
Registered: ‎12-31-2011
Re: Finally my 1st success!! Capital one delete!

Good for you, Congrats!!!  :smileyhappy:

 

 

Put me in line for that PM too please.

Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012
Re: Finally my 1st success!! Capital one delete!

r2r is that short for rags to riches if so great handle and be warned this site is addictive:smileylol:Welcome to our World!!!!


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
New Contributor
freshstart2012
Posts: 140
Registered: ‎02-12-2012
Re: Finally my 1st success!! Capital one delete!

proudnavymom wrote:

freshstart2012 wrote:

Thanks guys!  Super excited.  I definitely have a boost to keep going now :smileywink:

 

annielorie, they are deleting the entire TL from my DH's CR.  He used to have 2 Capital One cards several years ago that went into default.  This one was charged off but still owned by them.  I sent them a PFD offer worth $500 (current balance is $1,700).   For some reason they just decided to delete without payment.  I get to use the $500 toward other debts now.

 

His second Capital One card might be a different story.  He defaulted on both of them at the same time but for some reason the one that they are going to delete was never sold to a CA.  The other one was sold to Asset Acceptance.  I have sent them a PFD.  If it works then I will GW Capital One.

 

To those requesting info, I'm sending PMs your way :smileyhappy:


Good luck with Asset Acceptance.  I just paid a settlement with them that they offered, but haven't gotten them to agree to a deletion yet.  I am still waiting for it to be updated on my CR and then I plan on GWing them.  Congratulations on the delete and best of luck with this one.  


So far I haven't received one response from Asset Acceptance.  I sent them a PFD agreeing to their settlement offer and still nothing.  Might have to send more letters out soon. :smileyfrustrated:

GOALS
GW Crescent bank to delete 3 30 day lates, GW Transouth Financial to delete 4 30 day lates, GW Sams club, GW Service Credit Union, GW Paramount Recovery, PFD LVNV Funding, PFD Applied Bank, PFD Capital One, PFD Asset Acceptance, PFD Capital One
New Contributor
freshstart2012
Posts: 140
Registered: ‎02-12-2012
Re: Finally my 1st success!! Capital one delete!

More PMs sent.  If I missed anybody please send me a pm

GOALS
GW Crescent bank to delete 3 30 day lates, GW Transouth Financial to delete 4 30 day lates, GW Sams club, GW Service Credit Union, GW Paramount Recovery, PFD LVNV Funding, PFD Applied Bank, PFD Capital One, PFD Asset Acceptance, PFD Capital One
Frequent Contributor
MrChairman
Posts: 456
Registered: ‎02-07-2010
Re: Finally my 1st success!! Capital one delete!

OP, I just read through this thread, correct me if I'm wrong, Cap1 just deleted the TL with no payment on your part? It seems as though if the SOL hasn't expired they could still put it back on your credit report which knowing Cap1 they will rear their ugly head sooner or later or sell the debt off to a CA. You might want to contact them about paying before you wakeup and find a nasty on your CR.


Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score (Lender Pulled):TransUnion: 695 (26 JUN 2013), Equifax: 636 (26 JUN 2013), Experian: 670 (26 JUN 2013)
Goal Score:All scores 700+ by Dec 2013!!

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Regular Contributor
Tpelc23
Posts: 236
Registered: ‎08-16-2010
Re: Finally my 1st success!! Capital one delete!

That is great!!! My Capital one just aged off this month, I never had luck with GW.

 

I wish I could get FP to GW.

2/28/12 -TU FICO 646 3/28/12 TU-FICO 647 4/19/20 TU-662,
2/28/12 - EQ FICO 557 3/14/12- EQ FICO 600 3/16/12 EQ FICO 623, EQ FICO 628, 7/2/12 662
2/20/12 - EXP FAKO 620 3/16/12 FAKO 631 FAKO 643 3/28/12 655 (MTG pull) 5/7/12 698

CURRENT GOAL MID 640 LONGTERM 700 CLUB:smileyhappy: