I am writing to inquire as to whether Capital One would consider making a goodwill adjustment to the credit reporting bureaus on one of my closed accounts. I am respectfully requesting if Capital One would be so kind to remove the adverse late payments reporting from this account in reporting to the credit bureaus. I understand this is a rather unusual request--particularly as my account fell behind upwards of 120 days. This account was eventually completely and fully paid off after being charged off.
Capital One has been extremely pleasant to deal with and in working with me, and helping me to re-establish my credit. Capital One has allowed me to prove that I am now more responsible for paying my debts in full. It makes me feel a sense of accomplishment and proud to be able to now repay your company in kind with timely, Paid in Full balances on my NEW credit card for the 4 months since you were kind enough to have extended me new credit, when others company's were not.
If what I ask is too much, then any goodwill adjustment to the reporting bureaus regarding this account would be most appreciated.
Regardless of your decision, please know that I thank you for helping me at a time when it was needed. I am pleased to continue to do business with Capital One, and hope to be able to continue doing business with your company when I am contemplating financing a new automobile.
CapOne likely CO'd his CC. It can say CO and show a balance due. To avoid a CA and added interest, OP probably paid CapOne the balance due.
i'm confused - how was the account fully paid off AFTER being charged off? did you pay the CA? did cap 1 offer you a new card?