@Anonymous wrote:
I have been working on rebuilding my credit in order to buy a house later this year. A few weeks ago, I sent a goodwill letter to Capital One asking if they could remove a few late payments I accrued during a time of financial hardship. They responded a few days ago and told me no. Yesterday, I noticed my credit score dropped 19 points. When I looked on Credit Karma to find out why, it said Capital One added missed payments and then removed missed payments. It also said that remarks have been added to my account by Capital One. I called Capital One and talked to three different people and no one could tell me what happened. I plan on reaching out to TransUnion tomorrow to try to see if they can help.
My question is what does "remarks added to your account" mean? Also, what do I need to do to correct this problem?
You would need to pull a new report to see the remarks if you cannot access it thrkugh your CMS. The remarks are right in the account under "remarks". Most often at the bottom of the account info, but possibly above the payment history.
I would go to annual credit report and pull a report for free (no score). This is free to do so weekly thru 4/2021.
There is a way to get a free report every 24 hours from TU for free, but you cannot have any open disputes. The report is similar to Annual Credit Report.
Also the remark might now be removed now that the lates have been removed, but may have been there when they added lates on. Probably stating the account was in dispute, but there may no longer be a remark, so you may never know. Also, you likely eill be unable to remive any remark if there is still one if the CRA or creditor placed it.
