No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I read about some success with Captial One online chat and decided to give it a shot since I've been shot down via mail and even from the EO from Capital One via phone.
I explained my situation and that I was not disputing my (only )late payment in 6 years. I told her I didn't think it reflects my credit worthiness as the situation was something I had no control over at the time of the missed payment. This is how our conversation ended (I changed the name of the rep and replaced my name with myFico username).
that can mean that they are looking into it to see if there was an error. They never wanted to remove any lates from my account. I contacted everyone and got the same answer. Good luck! keep us updated
Good luck.... I got my late fees refunded to me from them but no late payment taken off of my reports.
@mnosal9 wrote:that can mean that they are looking into it to see if there was an error. They never wanted to remove any lates from my account. I contacted everyone and got the same answer. Good luck! keep us updated
Me too. I've gotten a few letters that they had found no errors blahblahblah. I know it wasn't an error, no one seems to understand this hah
lol literally, i just dont think they believe in GW adjustments
I work for the corp office. they really do not change the lates unless you can prove an error or it is a known error. late fees are nothing and not even an even exchange compared to a 30+ late on your credit
PM sent SSH
Capital One definitely GWs. I have broken the 700 barrier with one of my FICOs thanks to Capital One GW.