topic Re: Finally CapOne GW success.... in Rebuilding Your Credit

Finally CapOne GW success....

Anonymous — Sun, 21 Aug 2011 08:13:15 GMT

I have an old Charge Off from Cap One but it's already paid. I sent probably 4 letters since last year, called the backdoor line with no success - all Declined and that they can't remove all my lates. I actually gave up but last week I sent another one (for no reason at all - I was just bored), did not get any response and when I checked my new reports today it was all deleted to 3 CB. I've been back with Cap One now for a year and I always PIF so I'm not sure if that helped out. One down and one more to go - BENEFICIAL/HSBC.

I sent my letter to:

Capital One

P.O. Box 30281

Salt Lake City, UT 84130-0281

Re: Finally CapOne GW success....

John060675 — Sun, 21 Aug 2011 09:15:52 GMT

Congratulations on the GW victory!

Re: Finally CapOne GW success....

sassymomof2 — Sun, 21 Aug 2011 13:56:15 GMT

Congrats!!

Re: Finally CapOne GW success....

Anonymous — Mon, 22 Aug 2011 00:40:56 GMT

UPDATE: Ok so I received the CapOne letter and that they will remove/delete my charge off account and forwarded the information to FOUR Credit Reporting Agencies. Yes FOUR not Three ( EX, EQ and TU ). The fourth one is Innovis. Anybody know about this credit agency? Cap One provided me their website www.innovis.com and I guess you can request for your credit report.

Re: Finally CapOne GW success....

John060675 — Mon, 22 Aug 2011 01:18:50 GMT

Yes, they are basically the same as the big three (TU, EX, and EQ). It definitely would be to your advantage to get a free report from them just to see if everything is good.

Re: Finally CapOne GW success....

Anonymous — Mon, 22 Aug 2011 02:02:54 GMT

Good job man! That's how you do it! Persistence is the key.

Re: Finally CapOne GW success....

guydiver — Mon, 22 Aug 2011 02:22:10 GMT

May I ask how old was the CO, and for how much? I have sent several letters over the years, but they all get denied. My Cap1 paid CO will age off sometime early next year, but is my only major derogatory. Congrats on the removal, I don't think I have ever seen that on here before. I'm not sure if I should give it another go or just sit tight and hope it falls off early.

Re: Finally CapOne GW success....

Anonymous — Mon, 22 Aug 2011 03:13:06 GMT

I just ordered a credit report from Innovis but they charged 8 bucks. So it's not free unless you don't have a job or suspect fraud.

Seems everyone should get it free the first time as you can at annualcreditreport.com with the others. Great racket these agencies have, may be we should all start

a CRA, I have some info on my friends. Once again I'm in the wrong business.

Re: Finally CapOne GW success....

Anonymous — Mon, 22 Aug 2011 06:19:31 GMT

Good grief, do we really need ANOTHER credit report to monitor?

Congrats on your Cap1 removal!

Re: Finally CapOne GW success....

Anonymous — Tue, 30 Aug 2011 04:32:31 GMT

question, when you are sending these letters, what sort of info are you providing I.E. account numbers , SSN?

Obviously they need to find your account info but in the world of Identity fraud run rampent, why give them too much.

Just curious because I need to send one

Thanks

Re: Finally CapOne GW success....

Menecrates — Tue, 30 Aug 2011 12:57:50 GMT

Can you PM me the contact info and a copy of your successful letter? I'm in the same boat and am going to start sending GW letters to cap one and don't know where to start.

Gongrats on the delete!

Re: Finally CapOne GW success....

Anonymous — Tue, 30 Aug 2011 14:16:40 GMT

Can you post the letter you used? or PM me?

Re: Finally CapOne GW success....

The_Student — Fri, 02 Sep 2011 18:23:45 GMT

can you please PM me ths successful letter so i can see what im doing wrong plz. thanks

Re: Finally CapOne GW success....

jonmartin — Sat, 03 Sep 2011 07:21:58 GMT

Can I also have a copy of the GW letter? I'm about to pay my full balance and want to get my lates removed.

Re: Finally CapOne GW success....

rbtextreme — Thu, 02 Feb 2012 17:31:47 GMT

Can you also send me this information?

Re: Finally CapOne GW success....

Anonymous — Fri, 03 Feb 2012 02:15:55 GMT

Same here... If you can pm me the info or post it, it would be greatly appreciated!!

Re: Finally CapOne GW success....

Anonymous — Fri, 03 Feb 2012 02:24:15 GMT

Congrats! I have one late from 2008 I'm working on. Thanks for the contact!

Re: Finally CapOne GW success....

Anonymous — Fri, 03 Feb 2012 02:50:27 GMT

I have been trying to get them to GW for a LONG time. If anyone could pass this info on, I would appreciate it.

Re: Finally CapOne GW success....

CS800 — Fri, 03 Feb 2012 03:19:29 GMT

Nice !!

I had a 30 day late that I GW from them. But it took some trials

Re: Finally CapOne GW success....

zerobacan — Tue, 15 Jan 2013 22:22:54 GMT

Can you pm the info to? Thanks!!!