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Capital One CLI Rejection Letter Questions

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Capital One CLI Rejection Letter Questions

I recently submitted a CLI just to see where I stood and what popped up as the denial reasons. My actual 6 month mark is mid next month so will do a CLI then as well. 

 

This is what resulted..

 

1.jpg

 

Bullet #1 is expected, but bullet #2 is problematic. 

 

I have triple checked all 3 beauru scores and I have nothing negative reporting except the BK7 which will be a year old end of March 2020. So I googled 'what is considered a credit deliquency' and it stated its a missed or late payment on a credit line. So I double checked again - I have no lates. So my question is - whats going on here? Do I need to be disputing lates in my charged off accounts from the BK? I know there were some that reported there, but other then that, nada. 

 

Any advice/similar experience?

BK 7 Discharged 3/2019

CapOne QS ($500) • CapOne MC ($500) • PenFed Shared Loan 1yr 2.05% ($500)
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Established Contributor

Re: Capital One CLI Rejection Letter Questions

I suspect bullet #2 pertains to your Chapter 7


You can't have your cake and eat it too. But you can dip your finger in the bowl and lick the icing!
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Valued Contributor

Re: Capital One CLI Rejection Letter Questions


@krielly wrote:

I suspect bullet #2 pertains to your Chapter 7


Completely agree, with your bk a year old it is still "recent" as would be any late payments/CO that occurred before you filed bk

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
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