Down to my very LAST baddie...

[myquestionsfico]

Well, I've finally gotten myself down to one final baddie - a single 30-day late on Capital One Quicksilver back in May 2016.  I'm looking to buy a house and I am dying to get this off my reports.

The problem is that I had other baddies with CapOne on the same account, and I've written them repeatedly, asking them to remove, and they've always said no....and referred me back to their original no.  I'm wondering if there is a new tack I can take to get reconsidered.  It seems like they just dismiss it out of hand (and I've written the CEO, etc.).  

I literally just need this last bad item to fall off, and my credit reports will be 100% clean of late payments, CO's, etc.

The story behind the late payment is that it was truly an honest mistake.  I had auto-pay turned on for several months and accidentally turned it off.  There was something funky going on with the website one day, and I must have turned if off by mistake.  When I realized it was off, I called and paid immediately and apologized all over myself, but to no avail.

[OmarGB9]

Unfortunately if they've said/keep saying no, there's nothing more you can do but wait it out. They're not under any obligation to remove it of course. I understand it's frustrating, but on the plus side, it's only a 30 day late and it's about to fall off next year. 30 day lates tend to lose most of their sting after 2 years. Even if you could get it off, I'd estimate it'd only be worth about 20 points at most.

[myquestionsfico]

Thanks @OmarGB9 - I can use every point I can get (to qualify for a mortgage and get the best rates I can), so I'm still hoping to have it removed. 

If nothing else, for sheer pride in having fully 100% clean reports after 8 years of credit hell since 2014.  

[CH-7-Mission-Accomplished]

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@myquestionsfico wrote:

Well, I've finally gotten myself down to one final baddie - a single 30-day late on Capital One Quicksilver back in May 2016.  I'm looking to buy a house and I am dying to get this off my reports.

The problem is that I had other baddies with CapOne on the same account, and I've written them repeatedly, asking them to remove, and they've always said no....and referred me back to their original no.  I'm wondering if there is a new tack I can take to get reconsidered.  It seems like they just dismiss it out of hand (and I've written the CEO, etc.).  

I literally just need this last bad item to fall off, and my credit reports will be 100% clean of late payments, CO's, etc.

The story behind the late payment is that it was truly an honest mistake.  I had auto-pay turned on for several months and accidentally turned it off.  There was something funky going on with the website one day, and I must have turned if off by mistake.  When I realized it was off, I called and paid immediately and apologized all over myself, but to no avail.

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I had my SO send a goodwill letter to C1 when there was only one 30-day left from six years prior, explained what happened, begged and pleaded and they removed it.   C1 WILL remote late pays if they feel like it.   You just need to grovel, tell them why it happened, it was only one time, you are desperately trying to buy a home, and it will fall off on its own in a year.  Oh and you just love them.

The worst that can happen is they say no, but if you don't ask, you have a 100% chance they won't remove it.   Go for it.