topic Good Will Cap One Late Payment in Credit Cards

Good Will Cap One Late Payment

meljeff1 — Tue, 08 Mar 2016 19:45:49 GMT

Hi Everyone,

I have sent several email request to Cap one in the last year asking for late payments to be removed from my credit profile. I had two lates in 2015 and 1 late in 2014 that I was interesting in getting removed from my file. They finally agreed to remove them for me... YAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Cap One. I have been a Cap One customer since 2011.

Re: Good Will Cap One Late Payment

Dcyphrz — Tue, 08 Mar 2016 19:54:34 GMT

That's excellent that they removed the lates. Looking forward, is there anything you can do to avoid late payments? Change the due date maybe? Three lates seems like a lot.

Re: Good Will Cap One Late Payment

meljeff1 — Tue, 08 Mar 2016 19:56:04 GMT

Hi, Yes its was a mess and I have since moved the due dates on both of the cards and I have now started to pay in full instead of carrying a balance. Thank you so much for touching on that point. Because although their doing me a favor being late should never occur.

Re: Good Will Cap One Late Payment

Dcyphrz — Tue, 08 Mar 2016 19:59:02 GMT

A few of my due dates fall within the same week. During the holidays, that's presented some challenges. LOL

Re: Good Will Cap One Late Payment

Anonymous — Tue, 08 Mar 2016 21:01:35 GMT

Big congratulations!

Re: Good Will Cap One Late Payment

Anonymous — Tue, 08 Mar 2016 21:20:46 GMT

.. I just have all of my cards set to autopay for the minimum due in case I get stupid and forget to pay something... that way, I am covered no matter what.! I PIF though... but, I am human...

Re: Good Will Cap One Late Payment

Anonymous — Tue, 08 Mar 2016 21:49:27 GMT

I have one 30 day late from July 2014 that I am trying to get removed. Several months ago I emailed capital one EO and I recieved a call back and was denied. Can you share your method?

Re: Good Will Cap One Late Payment

Chris679 — Tue, 08 Mar 2016 22:18:13 GMT

Email the CEO, address is readily available on Google. Be polite.

Re: Good Will Cap One Late Payment

meljeff1 — Tue, 08 Mar 2016 23:06:00 GMT

Absolutely auto pay I think I may start that if necessary!! But I'm trying to PIF all the time.

Re: Good Will Cap One Late Payment

Dcyphrz — Wed, 09 Mar 2016 03:33:50 GMT

@meljeff1 wrote:
..I'm trying to PIF all the time.

I do that too. Tell ya what's helped me since I started seriously gaming credit card points is a particular iPhone app. I enter every transaction and it shows the CC balances in red. I'd have an impossible time managing all my cards and bank accounts without the app.

Re: Good Will Cap One Late Payment

Creditplz — Wed, 09 Mar 2016 03:42:02 GMT

Did you send these emails to the Executive office?.

Re: Good Will Cap One Late Payment

Anonymous — Wed, 09 Mar 2016 17:02:54 GMT

I had one with them in Dec 2014 and I chatted with a rep on 2/9 and he agreed to have it taken off all 3 reports... I called today just to verify as it hasn't change as of yet and the rep said he saw it was approved and it should take 60 days or so.

Re: Good Will Cap One Late Payment

meljeff1 — Wed, 09 Mar 2016 17:17:21 GMT

Whats the app name? Sounds like that might be worth it.

@Dcyphrz wrote:
@meljeff1 wrote:
..I'm trying to PIF all the time.
I do that too. Tell ya what's helped me since I started seriously gaming credit card points is a particular iPhone app. I enter every transaction and it shows the CC balances in red. I'd have an impossible time managing all my cards and bank accounts without the app.

Re: Good Will Cap One Late Payment

meljeff1 — Wed, 09 Mar 2016 17:18:53 GMT

@Creditplz wrote:
Did you send these emails to the Executive office?.

I did and she told me she would have an answer for me on Monday, but she ended up calling me yesterday. Her name was Sarah and she was very nice.... One card hadn't been late since 2014 and the other one had two lates in 2015. I explained my situation with being on bed rest with my son, and how things were just difficult during that time.

Re: Good Will Cap One Late Payment

meljeff1 — Wed, 09 Mar 2016 17:19:43 GMT

@Anonymous wrote:
I had one with them in Dec 2014 and I chatted with a rep on 2/9 and he agreed to have it taken off all 3 reports... I called today just to verify as it hasn't change as of yet and the rep said he saw it was approved and it should take 60 days or so.

I was told it would take 60 days to complete, but she advised she would be sending me a letter in the mail as well for confirmation.

Re: Good Will Cap One Late Payment

Creditplz — Wed, 09 Mar 2016 20:02:23 GMT

Meljeff1; I sent you a PM.

Re: Good Will Cap One Late Payment

meljeff1 — Mon, 14 Mar 2016 22:44:22 GMT

FYI... I just received my letter from Cap One indicating the lates their removing. Keep at it....

Re: Good Will Cap One Late Payment

Anonymous — Fri, 15 Apr 2016 05:51:05 GMT

Hey meljeff this is great news! I have a 30 day late I'd love to have removed. Can I get that address you used? Thanks