topic Re: Capital One Deletion Success!!!!! in Rebuilding Your Credit

Capital One Deletion Success!!!!!

Anonymous — Thu, 05 Nov 2015 17:26:47 GMT

YES!!!!!

I will not be denied. After sending an email to the EO office last month and getting turned down by a rep, I tweaked my email and sent it again.

Success! I received a call from a very nice rep, who said it would take a few business days to look into. She called me with the good news today!!! The whole process took a week.

So excited!! I do have to deal with Portfolio Recoveries, though. However a rep there mentioned they could take the collection off if Capital One removed their tradeline. I'm calling them next.

Just wanted to share. It looks like Capital One isn't completely against goodwill.

Re: Capital One Deletion Success!!!!!

CH-7-Mission-Accomplished — Thu, 05 Nov 2015 17:29:15 GMT

Congratulions!

Can you please share with us what you said in your goodwill and the circumstances of the chargeoff? It would help the rest of us a lot in approaching them.

Re: Capital One Deletion Success!!!!!

Anonymous — Thu, 05 Nov 2015 17:52:39 GMT

@CH-7-Mission-Accomplished wrote:
Congratulions!

Can you please share with us what you said in your goodwill and the circumstances of the chargeoff? It would help the rest of us a lot in approaching them.

Sure. I lost my job in 2013, got in a slump and just ignored everything since I couldn't pay. This led to defaulted school loans and two charged off CCs(Cap 1 and Chase).

Here's my letter:

Dear representative of the Capital One Executive Office,

How are you today?

I have an out of the box request and I would love to see if you could oblige. I
am in the process of credit restoration to buy a new home, and a negative
factor on my credit report is a charge off from my old Journey Visa card.

Acct #XXXXXXXXXXXXXXXX

Now I do understand the integrity of the credit reporting system, I am also
aware that you all are legally required to report Fair and Accurate information.
Thus not compromising the integrity of the credit game. I am also aware that on a case by case basis, Capital One has allowed goodwill trade line deletions for some customers.

Please understand I am in no way disputing the validity of the report. I am merely asking for an extension to remove this trade line recorded on my account for credit reporting purposes. I realize this is something that is normally not granted. I won’t bore you with a long sob story over why I should receive your favor. Long story short: It was one of my first cards, and after I lost my job, I was unable to make the necessary payments on it. Capital One has already granted me a second chance in the form of a secured card. I am hoping you can grant a second chance for my credit report.

Are you able to review my account and potentially remove this derogatory
reporting?

Please give me an e-mail back or call if someone can discuss this further!
Thanks in advance for reading my letter!

Sincerely,

arrowette

Re: Capital One Deletion Success!!!!!

smitty1 — Thu, 05 Nov 2015 18:27:48 GMT

Congrats! Can you give me the email address you used, or point me to where i can find it? Thanks.

Re: Capital One Deletion Success!!!!!

Anonymous — Thu, 05 Nov 2015 18:56:32 GMT

@smitty1 wrote:
Congrats! Can you give me the email address you used, or point me to where i can find it? Thanks.

PM'd you.

Re: Capital One Deletion Success!!!!!

FIRECOURAGE — Thu, 05 Nov 2015 20:04:51 GMT

Hey Arrowette. Can you PM me that email address as well? Thanks.

Re: Capital One Deletion Success!!!!!

Anonymous — Thu, 05 Nov 2015 20:32:08 GMT

@FIRECOURAGE wrote:
Hey Arrowette. Can you PM me that email address as well? Thanks.

Done.

Re: Capital One Deletion Success!!!!!

Anonymous — Thu, 05 Nov 2015 20:48:00 GMT

CONGRATULATIONS, I'm trying to do the same right now, is it possible if you can give me the email address you sent it to?? I am super super super happy for you

Re: Capital One Deletion Success!!!!!

Anonymous — Thu, 05 Nov 2015 21:08:58 GMT

@karladicent wrote:
CONGRATULATIONS, I'm trying to do the same right now, is it possible if you can give me the email address you sent it to?? I am super super super happy for you

Thank you! PM on the way.

Re: Capital One Deletion Success!!!!!

Anonymous — Thu, 05 Nov 2015 21:10:02 GMT

Thank you so much

Re: Capital One Deletion Success!!!!!

Anonymous — Fri, 06 Nov 2015 00:19:33 GMT

I might as well tell you my story with PRA. I have the same situation as you. Old capital one card (secured) was young and dumb used it like crazy and never paid it, now I am paying the consequences. Well when I paid PRA this was back in October of 2014 the agreed to send me a letter stating that they will delete their trade line from all three CRA's. Honestly, they were alot easier to deal with than Capital One. I simply just told them okay when I pay for this can you delete this off of my report the representative said GLADLY send me the letter a week after paying and in 30 days it was removed. This happened well before I even knew my fico existed. I would give PRA a call and just talk to them nicely, they are super easy to talk to and if the representative gives you a hard time ask for the manager and continue asking for more managers until you get what you want. Congratulations again.

Re: Capital One Deletion Success!!!!!

bdhu2001 — Fri, 06 Nov 2015 00:33:01 GMT

Congrats. Please PM the address to me. I'm trying to help my kids who are in the process of fixing their credit to qualify for a home loan.

Re: Capital One Deletion Success!!!!!

Anonymous — Fri, 06 Nov 2015 00:43:43 GMT

OP, very nice letter! Glad it worked for you (and don't mind me if I "borrow" some of your language for my own gw spree).

Keep up the good work.

Re: Capital One Deletion Success!!!!!

Anonymous — Fri, 06 Nov 2015 02:02:36 GMT

@bdhu2001 wrote:
Congrats. Please PM the address to me. I'm trying to help my kids who are in the process of fixing their credit to qualify for a home loan.

PM'd.

Re: Capital One Deletion Success!!!!!

Anonymous — Fri, 06 Nov 2015 02:07:59 GMT

Great job on achieving this succes! I also love that this success story is recent! I was wondering if you could also PM me the email address you sent your letter to at Capital One. I greatly appreciate your time in advance!

Re: Capital One Deletion Success!!!!!

Anonymous — Fri, 06 Nov 2015 02:17:35 GMT

@Anonymous wrote:
OP, very nice letter! Glad it worked for you (and don't mind me if I "borrow" some of your language for my own gw spree). hat together

Keep up the good work.

Borrow away! I pieced it together from other goodwill letters members have shared. It belongs to the forum.

Re: Capital One Deletion Success!!!!!

Anonymous — Fri, 06 Nov 2015 02:18:26 GMT

@Anonymous wrote:
Great job on achieving this succes! I also love that this success story is recent! I was wondering if you could also PM me the email address you sent your letter to at Capital One. I greatly appreciate your time in advance!

PM'd.

Re: Capital One Deletion Success!!!!!

alienfico — Fri, 06 Nov 2015 04:47:23 GMT

One last pm please....can you send me the person's email as well. Thanks

Re: Capital One Deletion Success!!!!!

Anonymous — Fri, 06 Nov 2015 08:30:10 GMT

Congrats!!! Please add me to the list of pms for the email! Thank you ))

Re: Capital One Deletion Success!!!!!

Anonymous — Sat, 07 Nov 2015 17:38:56 GMT

I have a old charge off that I paid about 8 months ago and would love to get the email address from you. This is really impacting my credit. Please send me the email address and I'm so glad to hear of your success!