topic Re: Most realistic "ask" after Cap one paid charge off in Rebuilding Your Credit

Most realistic "ask" after Cap one paid charge off

Anonymous — Wed, 01 Apr 2015 16:10:15 GMT

Hey folks! So I'm back with another Cap one question. I couldn't stand looking at it anymore so I just went ahead and paid my capital one card charge off in full this morning. I've read on here that it's virtually impossible to get them to delete the account entirely so I don't want to put myself through the stress of going back and forth with them about it if they are really not going to budge. However I'd like to know what they will accommodate. Does anyone have experience with them being willing to report it as paid and closed taking the charge off status off? Or being willing to back date the paid status? Will capital one being willing to work with me on anything??

Re: Most realistic "ask" after Cap one paid charge off

Anonymous — Wed, 01 Apr 2015 16:36:44 GMT

bump.

Same situation here. I have a paid collection and actually have a good standing QS1 and secured card with them. I would love to get it to something "nicer."

Re: Most realistic "ask" after Cap one paid charge off

Anonymous — Wed, 01 Apr 2015 16:58:37 GMT

Thanks for the bump!

Re: Most realistic "ask" after Cap one paid charge off

gdale6 — Wed, 01 Apr 2015 18:15:32 GMT

They are a tough OC just like the rest of them. I would begin a GW letter campaign to the Exec Office at a rate of one letter a month asking for the TL to be removed. There is more success with this if its in the last year it can be reported. Good luck

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680