I need a little bit of clarity on something that just happened.

[Jlbt]

I just contacted capital one (through their customer support chat) and politely asked if I could get all of my past due alerts taken off my credit score. The lady was very helpful and said "I can file a dispute for past late charges, they will be sent to the 3 bureaus and you should see them take effect in 30-90 days". I'm very new at this and this was my first attempt to get anything removed from my score. The "dispute" threw me off a little and I just wanted to make sure that is what I needed to happen from you guys. I documented the whole conversation. Basically my question is, will this remove all my late capital one payments from my credit report? Also wanted to say thank you to this forum two days in and I have gained so much information!

[guiness56]

I really don't know how to take that reply.  A dispute and removing lates are 2 different things.  A dispute is saying you disagree with the lates.

I would be worried they are verified.  But I have also seen where they initiate a dispute and don't respond.

[Jlbt]

But would a company be able to file a dispute for me? What action should I take? She said I would see the effects on my credit report in 30-90 days, but she defiantly said "dispute".

[guiness56]

Yes, they can file a dispute.

[Jlbt]

Hmmm. Now I'm not nearly as happy as I was. She said it would be all of my past due charges. But I suppose there is not good way for me to know what they have done..
Thank you for your help though. I appreciate it.

[guiness56]

Is it all of your past due charges or the lates on your credit report?

[Jlbt]

Not all but a majority. I would say 75%

[Jlbt]

Let me clarify, she told me that they would dispute all late charges to the credit buroughs from capital one, capital one makes up ~75% of my late charges on my credit report.

[guiness56]

I think you mean late payments and not late charges.

[Jlbt]

Yes I apologize. Late payments. Not the charges.