cancel
Showing results for 
Search instead for 
Did you mean: 

Cap One Help

tag
koky
Frequent Contributor

Cap One Help

So capital one mistakenly reported two CO's on my account... The Rep admitted it was a mistake. What should I do now??? Should I push for an update or a deletion??? And should threaten them with a BBB, State AG and FTC???
Message 1 of 18
17 REPLIES 17
Anonymous
Not applicable

Re: Cap One Help

If they are acknowledging their mistake I would first look to them to correct it.

Message 2 of 18
Shogun
Moderator Emeritus

Re: Cap One Help

Never start off with the big guns.  Try the soft approach at first.  Something like, I've noticed this has been included on my CR as a duplicate and it's posting has caused problems with my ability to get credit.  Would you please remove both postings.

 

You type it up and put it in your own words.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 18
Anonymous
Not applicable

Re: Cap One Help


@Anonymous wrote:

If they are acknowledging their mistake I would first look to them to correct it.


+1

 

When they admitted it, did they say they would take care of it?  It is their responsibility.

Message 4 of 18
koky
Frequent Contributor

Re: Cap One Help

Yes as an Update, but not a deletion...
Message 5 of 18
koky
Frequent Contributor

Re: Cap One Help

But am gunning for a deletion...
Message 6 of 18
Anonymous
Not applicable

Re: Cap One Help

Can you give more details as to what exactly happened.  From reading your initial post I incorrectly assumed they posted accounts that were not yours.

Message 7 of 18
koky
Frequent Contributor

Re: Cap One Help

The account is mine... In July my account got charged off... So I settled... But in Feb they reported it again as a charged off account in Feb...
Message 8 of 18
Anonymous
Not applicable

Re: Cap One Help

Are they reporting two seperate tradelines? When did you settle the account?

Message 9 of 18
koky
Frequent Contributor

Re: Cap One Help

nope the same account..

Message 10 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.