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    <title>topic Re: WoW! Cap1 Removed my lates fees and CR lates!! in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1848683#M234556</link>
    <description>&lt;P&gt;+1 &lt;EM&gt;"&amp;nbsp;be sincere as you speak to them"...&lt;/EM&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;That's the best way to deliver your situation, most of these Supervisors, Execs, and the like have 'heard it all' - and they've heard it so much that they know the genuine deal when they hear it. (most do anyway)&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Good Job Kixforpa - you're on your way.&lt;/P&gt;</description>
    <pubDate>Fri, 01 Feb 2013 23:54:23 GMT</pubDate>
    <dc:creator>HindSight_20_20</dc:creator>
    <dc:date>2013-02-01T23:54:23Z</dc:date>
    <item>
      <title>WoW! Cap1 Removed my lates fees and CR lates!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1847663#M234407</link>
      <description>&lt;P&gt;&amp;nbsp; &amp;nbsp;I called bd # this morning to give it a shot. I first spoke to a customer rep that transferred me to another rep, that finally transferred me to a really nice Supervisor. She reviewed my account and saw that I was behind 2 months on 2 account (1 Plat &amp;amp; 1 Sec.)~ (made minimum payment to catch up last week). She stated that before that I had been very consistent with my payments and would offer to remove 2 lates fees on each account and would also remove the negatives reporting to CRA's. &amp;nbsp;4 negative lates removed! This is a great thing CAP1, keep up the good work!! Call, be nice, ask them how there day is going, be sincere as you speak to them and they will help!!!!&amp;nbsp;&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;~ Rebuilding Our Lives ~&lt;/P&gt;</description>
      <pubDate>Fri, 01 Feb 2013 17:33:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1847663#M234407</guid>
      <dc:creator>Kixforpa</dc:creator>
      <dc:date>2013-02-01T17:33:15Z</dc:date>
    </item>
    <item>
      <title>Re: WoW! Cap1 Removed my lates fees and CR lates!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1847745#M234421</link>
      <description>&lt;P&gt;Awesome! &amp;nbsp;Congrats!&lt;/P&gt;</description>
      <pubDate>Fri, 01 Feb 2013 18:07:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1847745#M234421</guid>
      <dc:creator>Shogun</dc:creator>
      <dc:date>2013-02-01T18:07:49Z</dc:date>
    </item>
    <item>
      <title>Re: WoW! Cap1 Removed my lates fees and CR lates!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1848147#M234503</link>
      <description>That's great, Congrats! &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;</description>
      <pubDate>Fri, 01 Feb 2013 20:12:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1848147#M234503</guid>
      <dc:creator>Epcot</dc:creator>
      <dc:date>2013-02-01T20:12:23Z</dc:date>
    </item>
    <item>
      <title>Re: WoW! Cap1 Removed my lates fees and CR lates!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1848179#M234505</link>
      <description>&lt;P&gt;thas awesome!! good work&lt;/P&gt;</description>
      <pubDate>Fri, 01 Feb 2013 20:20:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1848179#M234505</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-02-01T20:20:51Z</dc:date>
    </item>
    <item>
      <title>Re: WoW! Cap1 Removed my lates fees and CR lates!!</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1848683#M234556</link>
      <description>&lt;P&gt;+1 &lt;EM&gt;"&amp;nbsp;be sincere as you speak to them"...&lt;/EM&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;That's the best way to deliver your situation, most of these Supervisors, Execs, and the like have 'heard it all' - and they've heard it so much that they know the genuine deal when they hear it. (most do anyway)&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Good Job Kixforpa - you're on your way.&lt;/P&gt;</description>
      <pubDate>Fri, 01 Feb 2013 23:54:23 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WoW-Cap1-Removed-my-lates-fees-and-CR-lates/m-p/1848683#M234556</guid>
      <dc:creator>HindSight_20_20</dc:creator>
      <dc:date>2013-02-01T23:54:23Z</dc:date>
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