topic Re: WM/Cap 1 Late Removal in Rebuilding Your Credit

WM/Cap 1 Late Removal

FuturePlan2 — Mon, 18 Sep 2023 17:23:01 GMT

Hi, all! I am seeking email information for the removal of a 30 Day late for a Wal Mart card (Serviced by Capital One). Long story short, I had some unexpected expenses earlier this year and attempted to catch up on my cards before the 30 day mark. Unfortunately, I paid two Cap One cards at the same time but one technically posted a minute after the cut off time, resulting in a 30 day late.

I have satisfactory history with the company and several previously open Cap accounts. I have never had any lates on my credit report, and this has tanked my score a bit.

Any help is much appreciated.

Re: WM/Cap 1 Late Removal

FireMedic1 — Mon, 18 Sep 2023 21:17:01 GMT

Cap1 will let a GW here and there fall thru the cracks and have it deleted. Maybe 0.1%. Go to ceoemail.com. You'll find the address to send your GW letters to. Plead your case and hope for the best. Bout all you can do.

Re: WM/Cap 1 Late Removal

Priory_Man — Tue, 19 Sep 2023 10:58:20 GMT

From all the reading and research that has been done on Cap 1 by the members here it has been a hit and miss relationship for many.
As I often say though, if you don't try then the answers is always no. It can't hurt to write them a GW letter, if they decline, then try again.

Re: WM/Cap 1 Late Removal

admiralsmoker — Fri, 22 Sep 2023 00:19:54 GMT

Try a goodwill letter or using an excuse like the autopayment feature failed. One 30 day late shouldn't be a big problem.