https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Capital-One-and-Kohls/m-p/748642#M120251 <P>Hi folks,</P><P>&nbsp;</P><P>So I sent the initial GW to Kohls and got the " Sorry, we can't change the late payments" blah blah blah... Has anyone gotten the inital denial and the bounced back with lates deleted after another shot of GWing it?&nbsp; I am writing the letter right now.</P><P>&nbsp;</P><P>I also just wrote the GW letter to Capital One, wish me luck.&nbsp; Seeing people get things removed from them really gives me a glimmer of hope.</P><P>&nbsp;</P><P>But I guess my real question is, all these late payments are about 2.5-3.0 years old(with DoFD at 2005 for the Capital One).&nbsp; If I can't get these off, is there a *threshhold* where the scores start creeping back up the longer these remain?</P><P>&nbsp;</P><P>Thanks!</P> Fri, 01 Oct 2010 16:18:07 GMT Anonymous 2010-10-01T16:18:07Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Capital-One-and-Kohls/m-p/748642#M120251 <P>Hi folks,</P><P>&nbsp;</P><P>So I sent the initial GW to Kohls and got the " Sorry, we can't change the late payments" blah blah blah... Has anyone gotten the inital denial and the bounced back with lates deleted after another shot of GWing it?&nbsp; I am writing the letter right now.</P><P>&nbsp;</P><P>I also just wrote the GW letter to Capital One, wish me luck.&nbsp; Seeing people get things removed from them really gives me a glimmer of hope.</P><P>&nbsp;</P><P>But I guess my real question is, all these late payments are about 2.5-3.0 years old(with DoFD at 2005 for the Capital One).&nbsp; If I can't get these off, is there a *threshhold* where the scores start creeping back up the longer these remain?</P><P>&nbsp;</P><P>Thanks!</P> Fri, 01 Oct 2010 16:18:07 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Capital-One-and-Kohls/m-p/748642#M120251 Anonymous 2010-10-01T16:18:07Z