I have searched and read tons of threads regarding GW for Cap1 for removing late fees. My questions is this: I had a cap1 card opened in about May of 03, I was dumb young (i'm still young, i was just younger then) and I got my BF at the time (ex BF shortly after) an AU card. He then maxed it out and without my knowledge, it defaulted and they closed the account. The CL was on $300. They account was closed by CAP1 in June of 04. A few months later I paid the balance off and now it is just showing charged off and has the lates visible on my credit report. I have read that Cap 1 is difficult with regards to removing lates but, do I want to send them a GW to try to get them to remove the lates or is it at all possible for me to get them to remove it from my CR altogether? I now have a Cap 1 card that I opened in March of this year. I have PIF every time and they have just given me a cli (not credit steps) as I posted in the other thread. Would that show at all that I have a small but already improving history with them? I just want the darn thing gone! Any advice is appreciated!