cancel
Showing results for 
Search instead for 
Did you mean: 

CREDIT ONE BANK TRADELINE REMOVAL

New Member

CREDIT ONE BANK TRADELINE REMOVAL

Does anyone have an email address for credit one bank?  Any success on have it removed once its paid off from Midland?   If you have sample letters please send to me.  Thank you 

Message 1 of 16
15 REPLIES
New Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL

Bump.


Starting Score: 406
Current Score: myFico Score 8: Equifax 578, Transunion 615, Experian 642

Goal Score: 650


Take the myFICO Fitness Challenge

Cards:
Capital One QS1 $420 CL (previous Orchard Bank)
Capital One QS1 $600 CL
Victoria Secret $450 CL
Kay's Jewelers and Jared share $400 CL
Lane Bryant $150 CL
Credit One $400 CL
Amex ED Blue $1500
Amex ED $500
Message 2 of 16
New Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL

I tried to reply but it keeps getting deleted so I'll PM the info to you.
Message 3 of 16
Regular Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL

I sent the OP a message.. if someone else needs it, just PM me. I’ve had success with them recently.


A noble spirit embiggens the smallest man.
Message 4 of 16
New Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL

Sent you a PM ama050

EX 653 | TU 695 | EQ 695 (06/04/18)
EX 586 | TU 603 | EQ 575 (12/07/17)

Quicksilver - $3250
QuicksilverOne - $400
Discover It Secured - $300
Self Lender Account
American Express BCE - $500
American Express PRG
Message 5 of 16
Regular Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL


@Jmedina1841wrote:

Does anyone have an email address for credit one bank?  Any success on have it removed once its paid off from Midland?   If you have sample letters please send to me.  Thank you 


To make this not such a secret, everyones post are being deleted because you are listing the e-mail address which is against policy. But what I can tell you is if you search Google for "Credit One Bank CEO email" click on the first result and you'll find the e-mail address for the CEO on that webpage. This goes to the executive office which will then review your e-mail, call you and then respond by letter within 7-10 days.

 

No sample pre-drafted letter, give it straight they will appreciate that more. Was it a hardship? Just young and irresponsible? So many ways you can approach it, but above all else be down to earth and humbly request the goodwill/hardship removal.

 

FICO 8
Starting Score:
10/15/2016
562
583
534
Current Score:
05/11/2018
628
(+66)
690
(+107)
649
(+115)
Goal Score:
10/15/2018
700
(+72)
700
(+10)
700
(+51)


Message 6 of 16
New Member

Re: CREDIT ONE BANK TRADELINE REMOVAL

Is this a goodwill/hardship removal of late payment or account all together? @jhewit


@cyrusvalentino
Starting (2/28/2018): TR:519 EQ:527 Ex:551
Goal: 6 months 640 mid
Message 7 of 16
Regular Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL

It was a goodwill/hardship removal of the account all together; the account in reference was a charge off that was sold and PFD’d to Midland Funding, which they honored. But used the method described above to have it removed from Credit One Bank, as they stated they no longer had any vested interest in the account.

All I did was humbly state why the account fell behind leading to charge off, and that the debt was paid to Midland under a PFD and requested a goodwill/hardship removal of the TL.
FICO 8
Starting Score:
10/15/2016
562
583
534
Current Score:
05/11/2018
628
(+66)
690
(+107)
649
(+115)
Goal Score:
10/15/2018
700
(+72)
700
(+10)
700
(+51)


Message 8 of 16
Regular Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL

I sent ama050 s message..When emailing ceo what info do you provide besides your name? Do I need account number from my report? Or my SS number? I feel funny denying a total stranger my SS number and the accountant numbers on reports are often scrambled
Message 9 of 16
Regular Contributor

Re: CREDIT ONE BANK TRADELINE REMOVAL

I didn't provide my social security number, and didn't remember my account number due to the age of the account. They called me to obtain information to identify the account, sent me an official e-mail that they were investigating my request and would respond within 7-10 days by postal mail.

FICO 8
Starting Score:
10/15/2016
562
583
534
Current Score:
05/11/2018
628
(+66)
690
(+107)
649
(+115)
Goal Score:
10/15/2018
700
(+72)
700
(+10)
700
(+51)


Message 10 of 16