topic Re: Capital One deletion---its gone in Rebuilding Your Credit

Capital One deletion?

Anonymous — Thu, 14 May 2009 16:28:35 GMT

I called Capital One, spoke with the manager spaecialist. Informed/asked him to remove my 3 late payments in 2007.

he said..to far to go back and change it, however I will send you a letter stating account is in good standing. and send it to CRA to verify. I said thanks.

I got a letter yesterday stating account paid in full.

Do I dispute my lates with the CRA or call back and disputes the lates with the OC, since he said to far to go back in the computer and change it?

Re: Capital One deletion?

Anonymous — Thu, 14 May 2009 16:52:28 GMT

Does the account report on your CR as PIF?

Are the lates legit?

Re: Capital One deletion?

Anonymous — Thu, 14 May 2009 16:57:46 GMT

PIF---yes

Lates--legit.

as I GW he will said he would take care of it with the letter. he said the lates are to old to change in his computer.

I guess he can't go back that far.

Re: Capital One deletion?

Anonymous — Thu, 14 May 2009 17:43:32 GMT

Hate to be the bearer of bad news, but that letter really doesn't do you any good. It doesn't state that the lates should be removed, only that the account is PIF. It is already reporting this way, so no point in sending the letter.

Re: Capital One deletion?

Anonymous — Thu, 14 May 2009 17:47:28 GMT

so---should I dispute the lates on my report with the CRa, maybe thats what he was saying or should I call capital one again?

Re: Capital One deletion?

Anonymous — Thu, 14 May 2009 18:23:43 GMT

@Anonymous wrote:
so---should I dispute the lates on my report with the CRa, maybe thats what he was saying or should I call capital one again?
You can't dispute the lates with the CRAs - they are valid lates and are, in fact, reporting correctly. Your only option is to continue to send GW letters and hope for just that - Goodwill - in receiving the late payments but capital one are notoriously difficult to get lates removed by.

Re: Capital One deletion?

Anonymous — Thu, 14 May 2009 19:37:58 GMT

this account is the OC....does that change the manner to deal with this.

Re: Capital One deletion?

Anonymous — Thu, 14 May 2009 19:45:35 GMT

shannon13 wrote:
this account is the OC....does that change the manner to deal with this.

Nope, if the lates are legit, your only option that will/can be discussed here is GW.

Re: Capital One deletion---its gone

Anonymous — Thu, 14 May 2009 20:12:47 GMT

ok...I just pulled my experian CR, my Cap. One is in good standing OPEN/Never Late

Do I call equ/Tu and ask if they have that reporting as well? Or do I send a fax for the other 2?

Re: Capital One deletion---its gone

Anonymous — Thu, 14 May 2009 20:13:49 GMT

that account had 9 lates.....

Re: Capital One deletion---its gone

Anonymous — Thu, 14 May 2009 20:20:17 GMT

That's great. It seems that since he was unable to find the lates himself, he did you the courtesy of reporting as such to the bureaus. As far as Cap One goes, that's a huge victory.

Re: Capital One deletion---its gone

Anonymous — Thu, 14 May 2009 20:32:30 GMT

I printed it out....do you think I should call the other 2 CRA and see if it reporting the same?

Re: Capital One deletion---its gone

medicgrrl — Thu, 14 May 2009 20:34:52 GMT

I would give it some time. It took Experian over a week after EQ & TU updated to remove a late with Cap 1. Wait a week or two and see if they have been removed