topic Re: Capital One GW in Rebuilding Your Credit

Capital One GW

Anonymous — Sun, 15 Apr 2018 04:36:48 GMT

I just discovered that one of my derogs should be falling off next year. Due to conflicting info between the 3 reports, not 100% certain which month it should fall off, but they all 3 CRA’s show the same year.

Has anyone had success sending Capital One GW letters? I would like to get if off sooner than reported & hopefully give my score a boost.

Re: Capital One GW

kimbersleep — Sun, 15 Apr 2018 07:07:06 GMT

@Anonymous wrote:
I just discovered that one of my derogs should be falling off next year. Due to conflicting info between the 3 reports, not 100% certain which month it should fall off, but they all 3 CRA’s show the same year.

Has anyone had success sending Capital One GW letters? I would like to get if off sooner than reported & hopefully give my score a boost.

Hi,

One year ago I started here at MyFico.com and found my only baddie was Capital One -- actually, an old HSBC card that had been sold or otherwise acquired by Capital One. It wasn't going to fall off until 2019 or so but I wrote to the Cap One Executive Office (sent a letter to their CEO via email) and within about 24 hours I was contacted by phone. I gave the representative info about my situation, she said she'd have her research team look into it, and within about 5 days she called me back with the results. They removed any late payment information from the account listing. I will PM you with the email address I used as we are not to post those publicly.

Best of luck to you!

Re: Capital One GW

Anonymous — Sun, 15 Apr 2018 14:29:13 GMT

@kimbersleep wrote:
@Anonymous wrote:
I just discovered that one of my derogs should be falling off next year. Due to conflicting info between the 3 reports, not 100% certain which month it should fall off, but they all 3 CRA’s show the same year.

Has anyone had success sending Capital One GW letters? I would like to get if off sooner than reported & hopefully give my score a boost.
Hi,
One year ago I started here at MyFico.com and found my only baddie was Capital One -- actually, an old HSBC card that had been sold or otherwise acquired by Capital One. It wasn't going to fall off until 2019 or so but I wrote to the Cap One Executive Office (sent a letter to their CEO via email) and within about 24 hours I was contacted by phone. I gave the representative info about my situation, she said she'd have her research team look into it, and within about 5 days she called me back with the results. They removed any late payment information from the account listing. I will PM you with the email address I used as we are not to post those publicly.
Best of luck to you!

Thank you for the response. Would you be willing PM me a sample of the email so I can ensure I use the proper wording when requesting the GW adjustment?

Re: Capital One GW

HiiiPoWeR — Sun, 15 Apr 2018 16:02:18 GMT

@Anonymous wrote:
I just discovered that one of my derogs should be falling off next year. Due to conflicting info between the 3 reports, not 100% certain which month it should fall off, but they all 3 CRA’s show the same year.

Has anyone had success sending Capital One GW letters? I would like to get if off sooner than reported & hopefully give my score a boost.

When you email the CEO, you'll get a call back from some **bleep** named PJ. He'll act like he's going to help you and say he'll speak to higher ups or do his best, but in reality, he'll call back and quote you Capital One's policy and procedure.

Re: Capital One GW

Anonymous — Sun, 15 Apr 2018 18:12:34 GMT

Oddly specific information.

I have never had any luck with GW from Cap1, EO or not.

Re: Capital One GW

Anonymous — Sun, 15 Apr 2018 18:40:28 GMT

Honestly worth a shot. Worst case scenario is I get told no, but I won’t know if I don’t try. It will def fall off next year so if GW doesn’t work, then I just wait.

Re: Capital One GW

Sneakytiki — Mon, 16 Apr 2018 00:16:22 GMT

Capital One will do GW removal, just harass them. I also had a paid charge off due to fall off next year on my reports, I disputed it a few months ago and they didn't respond so it was removed from my reports. I have gotten Cap One charge offs and lates removed via goodwill and disputes.

I'm currently trying to get a 30 and 60 day late removed from them on my QSOne via GW, it will happen eventually.

Re: Capital One GW

Anonymous — Mon, 16 Apr 2018 00:24:42 GMT

@Sneakytiki wrote:
Capital One will do GW removal, just harass them. I also had a paid charge off due to fall off next year on my reports, I disputed it a few months ago and they didn't respond so it was removed from my reports. I have gotten Cap One charge offs and lates removed via goodwill and disputes.

I'm currently trying to get a 30 and 60 day late removed from them on my QSOne via GW, it will happen eventually.

Have you had success with the GW? I’m concerned that if I dispute, they will make it stay the whole 7.5 years

Re: Capital One GW

Sneakytiki — Mon, 16 Apr 2018 00:31:08 GMT

I have had success with both in the past. Early on they are difficult to get adjustments with but with old accounts and your doing well now, they are more likely to remove past negative information.

You can also dispute accounts that are not reporting with 100% accuracy on your credit reports. You said all 3 are reporting differently and the information reported should be accurate.

Or if they are not 100% accurate, explain the past situation, that they are not reporting accurately, reasons for you rebuilding and how well you are doing now in a GW letter may just get the account removed. That is the route I would go, disputes can be a coin toss sometimes but a GW letter with multiple reasons and that reaches the right person may have more success.

I have never personally seen a dispute change the outcome of GW letters, someone else may have and may chime in. Capital One may even remove accounts early at times, I have seen that before too.

Re: Capital One GW

kimbersleep — Mon, 16 Apr 2018 02:12:27 GMT

@Anonymous wrote:
@kimbersleep wrote:
@Anonymous wrote:
I just discovered that one of my derogs should be falling off next year. Due to conflicting info between the 3 reports, not 100% certain which month it should fall off, but they all 3 CRA’s show the same year.

Has anyone had success sending Capital One GW letters? I would like to get if off sooner than reported & hopefully give my score a boost.
Hi,
One year ago I started here at MyFico.com and found my only baddie was Capital One -- actually, an old HSBC card that had been sold or otherwise acquired by Capital One. It wasn't going to fall off until 2019 or so but I wrote to the Cap One Executive Office (sent a letter to their CEO via email) and within about 24 hours I was contacted by phone. I gave the representative info about my situation, she said she'd have her research team look into it, and within about 5 days she called me back with the results. They removed any late payment information from the account listing. I will PM you with the email address I used as we are not to post those publicly.
Best of luck to you!
Thank you for the response. Would you be willing PM me a sample of the email so I can ensure I use the proper wording when requesting the GW adjustment?

Sure! I'll PM you a copy now.

Re: Capital One GW

Anonymous — Mon, 16 Apr 2018 14:40:37 GMT

Hi,

Can you PM the email address, I am working to get some 30 day late payments off my capital one account

Re: Capital One GW

Anonymous — Mon, 16 Apr 2018 15:04:30 GMT

I just want to say it's definitely possible! I sent a GW email to the CEO a couple weeks ago. This morning I woke up to the tradeline completely removed (It was a chargeoff that I paid to the collection agency). In the email I gave my situation (dumb mistakes in the past, working to buy a house now) and showed receipt of my payment, and asked for tradeline removal. Got a call that next day saying that he (Executive Customer Assistant or something) would look and get back to me in 3-5 days. I'm sure I'll get the call today, but basically it fell off! I haven't checked my other scores yet, but my FICO 2 Experian score for mortgage use went from 617 to 700 this morning. Finally ready to get my home

Re: Capital One GW

Anonymous — Mon, 16 Apr 2018 15:11:29 GMT

congrats, yes the 30 day late payments are the last derogatory on my credit file. It has been a long journey these last 12 months.

Re: Capital One GW

Anonymous — Mon, 16 Apr 2018 16:17:43 GMT

@Anonymous wrote:
I just want to say it's definitely possible! I sent a GW email to the CEO a couple weeks ago. This morning I woke up to the tradeline completely removed (It was a chargeoff that I paid to the collection agency). In the email I gave my situation (dumb mistakes in the past, working to buy a house now) and showed receipt of my payment, and asked for tradeline removal. Got a call that next day saying that he (Executive Customer Assistant or something) would look and get back to me in 3-5 days. I'm sure I'll get the call today, but basically it fell off! I haven't checked my other scores yet, but my FICO 2 Experian score for mortgage use went from 617 to 700 this morning. Finally ready to get my home

Awesome news!! Hoping I get the same results.

Re: Capital One GW

Starshab — Sat, 21 Apr 2018 15:27:20 GMT

Hi, could you PM me the email address as well. Thanks

Re: Capital One GW

Anonymous — Sat, 21 Apr 2018 15:34:11 GMT

Just an update i did get a call from the EO office a few days after i sent my GW letter. He is going to be calling me in a week to give me an update. Fingers crossed

Re: Capital One GW

gdale6 — Sat, 21 Apr 2018 16:32:54 GMT

@Anonymous wrote:
Just an update i did get a call from the EO office a few days after i sent my GW letter. He is going to be calling me in a week to give me an update. Fingers crossed

Good luck

For others looking for the CEO email:

Cap 1 EO E-mail Contact Info

Re: Capital One GW

Sadie5150 — Fri, 12 Oct 2018 00:07:19 GMT

Would you please email me the info as well... could I have a copy of your letter too! 😊