Cap1 deleted CH

[Anonymous]

Cap1 deleted my credit history from all 3 of my CR's. I've been fighting with them since Jan to report my information.  I've waited 30 - 60 day still nothing and my credit score is depleting. Any suggestions.

[Anonymous]

You closed the cards and they deleted the information?  Is that what you are saying?

[Anonymous]

No I didn't close the account, I paid the balance which now $0.

[Anonymous]

I disputed a late on my capital one card and now the whole account is gone lol..from Transunion.. I thought it would reappear but so far hasn't..just a weird cap one glitch maybe .

Message Edited by CRASMAKEMEPUKE on 05-08-2008 07:35 PM

[llecs]

This is a common side-effect of disputing. As you know now, avoid disputing, especially an open account. You could probably write them (CapOne) and tell them what you happened and they'll likely put it back on your CRs.

I can't speak to CapOne, but I have an HSBC account that is the same. Seems like whenever I pay the balance to $0 prior to their end-of-the-month reporting date, they take their sweet time, sometimes up to 60-90 days to update. And when they do up, they seem to update on the day my balance is at its highest.  

[Anonymous]

I don't know if all ccc report the same but on my wells fargo account I called requested my closing date be no later than the 20th and no earlier than the 15th that way my bill would be due between 10th and 13th so now it closes on/around 18th and never due before 10th. They said my cra reports are updated upon closing. So try requesting a specific date for close out and you might end up with a good time frame to keep balances low.