topic Capital One Goodwill Success in Rebuilding Your Credit

Capital One Goodwill Success

Nikita2008 — Tue, 27 Apr 2021 23:40:59 GMT

Following advice here I sent out some Goodwills last week. I submitted to Capital One, Fingerhut and First Premeir. I honestly did not hold high hopes for any of them.

I got a call from the executive offices at Capital One this morning, asking me to clarify some specifics about my situation. The gentleman said, although it's not their policy he would submit it, and I would hear back probably by tomorrow, that he would call me one way or the other. He called back this afternoon, and said that the request was approved and all of my lates would be removed ( I have 12 going back to 2015). I have been consistently current on that account since Feb 2019, and the account is open, I actually received a small CLI last month. He said I will get a confirmation letter within a month and should see the update witi. 30-45 days.

I still have a lot of lates on my reports though, from First Premeir ( 8) , Fingerhut (3), as well as First Access and Total Visa and a really sloppy auto with GM Financial. I don't have a lot of hope with any of those. It can't hurt to keep trying though. The Total Card charged off in 2019, and no one seems to want to take my money lol. Once I can get it settled I'll give it a shot.

Current FICO 8's are TU 663, EQ 678, EX 687 without the removal.

Small victory but I'll take it.

Re: Capital One Goodwill Success

AllZero — Tue, 27 Apr 2021 23:43:24 GMT

Congratulations on your GW success! Job well done.

Re: Capital One Goodwill Success

Anonymous — Wed, 28 Apr 2021 00:11:16 GMT

@Nikita2008 wrote:
Following advice here I sent out some Goodwills last week. I submitted to Capital One, Fingerhut and First Premeir. I honestly did not hold high hopes for any of them.

I got a call from the executive offices at Capital One this morning, asking me to clarify some specifics about my situation. The gentleman said, although it's not their policy he would submit it, and I would hear back probably by tomorrow, that he would call me one way or the other. He called back this afternoon, and said that the request was approved and all of my lates would be removed ( I have 12 going back to 2015). I have been consistently current on that account since Feb 2019, and the account is open, I actually received a small CLI last month. He said I will get a confirmation letter within a month and should see the update witi. 30-45 days.

I still have a lot of lates on my reports though, from First Premeir ( 8) , Fingerhut (3), as well as First Access and Total Visa and a really sloppy auto with GM Financial. I don't have a lot of hope with any of those. It can't hurt to keep trying though. The Total Card charged off in 2019, and no one seems to want to take my money lol. Once I can get it settled I'll give it a shot.

Current FICO 8's are TU 663, EQ 678, EX 687 without the removal.

Small victory but I'll take it.

Congrats on the CAP 1 success. Curious did you email or mail out letters? Specifically interested in Fingerhut, I mailed out on 4/1 haven't heard anything, was going to email, but can't find any contact info online for fingerhut. Would you mind sharing if you did email. Please and thank you

Re: Capital One Goodwill Success

Anonymous — Wed, 28 Apr 2021 01:43:33 GMT

@Nikita2008 wrote:
Following advice here I sent out some Goodwills last week. I submitted to Capital One, Fingerhut and First Premeir. I honestly did not hold high hopes for any of them.

I got a call from the executive offices at Capital One this morning, asking me to clarify some specifics about my situation. The gentleman said, although it's not their policy he would submit it, and I would hear back probably by tomorrow, that he would call me one way or the other. He called back this afternoon, and said that the request was approved and all of my lates would be removed ( I have 12 going back to 2015). I have been consistently current on that account since Feb 2019, and the account is open, I actually received a small CLI last month. He said I will get a confirmation letter within a month and should see the update witi. 30-45 days.

I still have a lot of lates on my reports though, from First Premeir ( 8) , Fingerhut (3), as well as First Access and Total Visa and a really sloppy auto with GM Financial. I don't have a lot of hope with any of those. It can't hurt to keep trying though. The Total Card charged off in 2019, and no one seems to want to take my money lol. Once I can get it settled I'll give it a shot.

Current FICO 8's are TU 663, EQ 678, EX 687 without the removal.

Small victory but I'll take it.

Congrats!!

Re: Capital One Goodwill Success

Herb8108 — Wed, 28 Apr 2021 19:10:49 GMT

Hey can you send me the capital one address/email for the goodwill letters i have a few I'm trying to send myself

Re: Capital One Goodwill Success

Nikita2008 — Fri, 30 Apr 2021 00:03:15 GMT

@Anonymous wrote:
@Nikita2008 wrote:
Following advice here I sent out some Goodwills last week. I submitted to Capital One, Fingerhut and First Premeir. I honestly did not hold high hopes for any of them.

I got a call from the executive offices at Capital One this morning, asking me to clarify some specifics about my situation. The gentleman said, although it's not their policy he would submit it, and I would hear back probably by tomorrow, that he would call me one way or the other. He called back this afternoon, and said that the request was approved and all of my lates would be removed ( I have 12 going back to 2015). I have been consistently current on that account since Feb 2019, and the account is open, I actually received a small CLI last month. He said I will get a confirmation letter within a month and should see the update witi. 30-45 days.

I still have a lot of lates on my reports though, from First Premeir ( 8) , Fingerhut (3), as well as First Access and Total Visa and a really sloppy auto with GM Financial. I don't have a lot of hope with any of those. It can't hurt to keep trying though. The Total Card charged off in 2019, and no one seems to want to take my money lol. Once I can get it settled I'll give it a shot.

Current FICO 8's are TU 663, EQ 678, EX 687 without the removal.

Small victory but I'll take it.

Congrats on the CAP 1 success. Curious did you email or mail out letters? Specifically interested in Fingerhut, I mailed out on 4/1 haven't heard anything, was going to email, but can't find any contact info online for fingerhut. Would you mind sharing if you did email. Please and thank you

Without publishing the actual email, I emailed the CEO of Capital One Richard Fairbank. If you google his name, the email is readily available.

I emailed Fingerhut as well. No luck on that one. I'll send out snail mail. Steve Nave at Bluestem brands I believe.

Re: Capital One Goodwill Success

Joobie — Fri, 30 Apr 2021 15:01:20 GMT

Thank you & Congrats!!!

Re: Capital One Goodwill Success

OmarGB9 — Fri, 30 Apr 2021 19:59:17 GMT

Grats!

Re: Capital One Goodwill Success

Anonymous — Mon, 21 Jun 2021 07:44:05 GMT

That is fantastic!

Would you mind sharing the gw letter for Capital One. I just received a 30 day late even though I paid it two days early. The rep told me the banks were closed on the weekend. And, because of this my payment would reflect the next business day. I think its so unfair.

Re: Capital One Goodwill Success

Anonymous — Mon, 21 Jun 2021 10:33:22 GMT

@Anonymous wrote:
That is fantastic!

Would you mind sharing the gw letter for Capital One. I just received a 30 day late even though I paid it two days early. The rep told me the banks were closed on the weekend. And, because of this my payment would reflect the next business day. I think its so unfair.

I would not use someone else's letter or a template. It's very likely that they've seen them a thousand times a month and will discard it out of hand. Write one that speaks to your personal situation, be contrite, own the mistake, explain how you've fixed things so that it won't happen again, and humbly ask for the goodwill.

Re: Capital One Goodwill Success

Anonymous — Tue, 17 Aug 2021 20:14:49 GMT

Congratulations! I'm hoping for success one day. I sent an email to the executive team and got a call back the next day. They denied my request to remove the account from the credit beaureau and also a no to removing the late payments. I'll keep trying.

Re: Capital One Goodwill Success

Anonymous — Fri, 17 Dec 2021 15:47:52 GMT

Can you please send the email address you used for Capital One goodwill letter?

Re: Capital One Goodwill Success

myscorerocks — Sun, 26 Dec 2021 18:44:08 GMT

I wish the OP would respond and share the address or email to Cap One. Aren't we all here to help each other?

Re: Capital One Goodwill Success

tcolesz12 — Mon, 27 Dec 2021 01:27:08 GMT

@Anonymous wrote:
Can you please send the email address you used for Capital One goodwill letter?

Send me a private message, I've been emailing Capone for about a year trying to get a CO removed from my report. I haven't had luck but maybe you or someone else will.

Re: Capital One Goodwill Success

bsal — Tue, 11 Jan 2022 05:11:23 GMT

Why do we have to send a private message to get the email address or physical address you sent your goodwill letter to? this is a open post it should be posted in the open post I thought we are all here to help each other

Re: Capital One Goodwill Success

simplegirl — Tue, 11 Jan 2022 17:38:54 GMT

@bsal wrote:
Why do we have to send a private message to get the email address or physical address you sent your goodwill letter to? this is a open post it should be posted in the open post I thought we are all here to help each other

Because it is against myfico poilicy to post companies personal information in the public forum post.

Re: Capital One Goodwill Success

gdale6 — Thu, 13 Jan 2022 00:39:24 GMT

Public figure information can be posted, it is okay to post the CEO of Cap-1s email address. Public figures are typically CEO & President. A good resource for CEO info is ceoemail.com