@ohreally7654 wrote:OP, I had a similar recent experience with regard to a Cap One charge-off from 2013. It was scheduled to stay on my reports until 2020, but within a few weeks of having paid off this C/O in its entirety to Cach LLC (the collection agency to which the debt had been sold), the tradeline was removed from EQ and TU without requesting it (though I did intend to send GW letters to them last month). I, too, have a few new accounts in good standing with Cap One, so perhaps that does have something to do with it. It never dropped off of my EX report, so I recently disputed the TL on the basis of prior balances having been reported incorrectlym which was, in fact, a valid dispute. They deleted the TL from EX within the week. Hopefully you will have similar success! Best of luck to you!
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This post is relevant to my needs. 
Can you PM me the address you had sent your Cap1 GW to? About 6 months ago I utterly failed with their EO.
I have a CO Cap1 tradeline. It was settled late last year. TU and EQ updated to 0 balance in November/December. EX seems slow on this and still shows a balance (and lists the account erroneously as open). Regardless, I would like to GW to delete the TL entirely from all bureaus, but am now wondering if Cap1 is removing these on their own?
So, I have a few options:
Dispute the accuracy
Wait
GW to Cap1
@BallBounces wrote:
@ohreally7654 wrote:OP, I had a similar recent experience with regard to a Cap One charge-off from 2013. It was scheduled to stay on my reports until 2020, but within a few weeks of having paid off this C/O in its entirety to Cach LLC (the collection agency to which the debt had been sold), the tradeline was removed from EQ and TU without requesting it (though I did intend to send GW letters to them last month). I, too, have a few new accounts in good standing with Cap One, so perhaps that does have something to do with it. It never dropped off of my EX report, so I recently disputed the TL on the basis of prior balances having been reported incorrectlym which was, in fact, a valid dispute. They deleted the TL from EX within the week. Hopefully you will have similar success! Best of luck to you!
:
This post is relevant to my needs.
Can you PM me the address you had sent your Cap1 GW to? About 6 months ago I utterly failed with their EO.
I have a CO Cap1 tradeline. It was settled late last year. TU and EQ updated to 0 balance in November/December. EX seems slow on this and still shows a balance (and lists the account erroneously as open). Regardless, I would like to GW to delete the TL entirely from all bureaus, but am now wondering if Cap1 is removing these on their own?
So, I have a few options:
Dispute the accuracy
Wait
GW to Cap1
Ballbounces,
I will PM you now with the address I have for Cap One EO office! Though, just to clarify, I actually did not have to go that route. From everything I have read on this forums recently, it sounds like, for those who have had Cap One just delete their TLs of their own accord, they are doing so on 2 of the 3 bureaus: EQ and TU. I'm uncertain as to why they're not doing it on all 3 and it's unclear to me whether some have waited, and ultimately ended up having EX deleted as well.
For me, I didn't want to wait! So I disputed directly with Experian and ended up not having to send the GW letter to CO. My dispute was on the basis of incorrect balances. From what you've indicated in your post, you have a valid dispute as well with EX, considering CO is reporting your account as open. I know that some folks on the forum have had CO just delete the TL entirely from their reports, while others have contacted the EO multiple times with GW letters, only to be rejected. I don't understand the inconsistency in their practices! Hopefully, though, between your disputes with the bureaus and your GW letters, someone at CO will be willing to help you out!