Hey all, wondering if anyone has had luck doing a pfd with cap1. I have $248 owed on a secured card that was charged off a few years ago. No collections was ever put on it. Cap1 just generously approved me for a unsecured platinum card almost 2 months ago, and I’d like to see if that goodwill could be extended further to this derogatory mark on my report. I have the cash obviously, I just want to see if I can get it off my report. Anyone had luck?
Cap-1 will not do a PFD. Best chance of getting it off is in the last year of it reporting with a goodwill letter but you can try after its been settled.
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