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Capital one Menards late payment 13 months ago

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Established Contributor

Capital one Menards late payment 13 months ago

Has anyone had any success in getting a 30 day late fee removed from Capitol One? This is a store card, for Menards, issued by Capitol One.

I had one 30 day late payment in Feb. 2018 that I fixed and got it paid and have not been late since.

 

When I called to ask them if they would remove it, they said they can't do that. They said they wish they could help me, but don't have any way of changing it.

 

I tried online disputes, but always come back as verified. 

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Senior Contributor

Re: Capital one Menards late payment 13 months ago

Disputing correct info wont get you anywhere with the CRA's they consider it frivolous. Cap1 isnt known for GW success unfortunately.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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Community Leader
Mega Contributor

Re: Capital one Menards late payment 13 months ago


@Hockeypnc1 wrote:

Has anyone had any success in getting a 30 day late fee removed from Capitol One? This is a store card, for Menards, issued by Capitol One.

I had one 30 day late payment in Feb. 2018 that I fixed and got it paid and have not been late since.

 

When I called to ask them if they would remove it, they said they can't do that. They said they wish they could help me, but don't have any way of changing it.

 

I tried online disputes, but always come back as verified. 


 

I would not expend too much energy on that one late, as you still have other delinquencies present (BK if I remember correctly).  Even if removed, you would not see much, if anything, scoring wise. 

 

I'd leave it alone. 

EX 759 EQ 774 TU 753


Message 3 of 4
Established Contributor

Re: Capital one Menards late payment 13 months ago

Yep still with the BK from October 2016

 

Got all the credit cards down to 0

Have car loan, student loans, creditBuilder loan 

Message 4 of 4
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