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I recently wrote a goodwill letter to the CEO and MY 30 day late was removed from my credit reports today.
However, I did make a payment on time, but my bank did not process the payment and Cap one said my payment was returned.
I detailed my situation and emailed them last week and today I found the 30 day late payment was removed.
With the removal, my FICO score increased by almost 50 points.
@Anonymous wrote:I recently wrote a goodwill letter to the CEO and MY 30 day late was removed from my credit reports today.
However, I did make a payment on time, but my bank did not process the payment and Cap one said my payment was returned.
I detailed my situation and emailed them last week and today I found the 30 day late payment was removed.
With the removal, my FICO score increased by almost 50 points.
Was Richard D. Fairbank who you emailed?
@Anonymous wrote:
Yes. I sent it to mr. Fairbank. I have tried twice so far. Someone different called back both times and both sent them to be reviewed. However both times they called back and said they wouldn't do it.
Your persistence paid off!