Is it possible to have a settlement removed via goodwill on a Capital One credit card account?

[Anonymous]

This is my first time posting and I tried searching and I didn't really see what I was looking for...

I have a charged off Capital One account that I settled early in 2019 and I also have another current Capital One CC that I was able to start after I made that settlement which I have maintainted a perfect payment history and have worked the usage to my benefit to improve my FICO scores.

I am wondering if it is worth it to send a goodwill letter requesting the settled account be removed or whether I just need to pay off the remaining balance and request a PFD.  Or is there a better way to try to get this removed from my credit?  

Thanks!

[OmarGB9]

Yea so if it's already settled, you can no longer pay them anymore. All you can do is try to request a GW removal, but be aware they may not grant it; Cap One can be pretty tough to get them to delete their TL.

[Jnbmom]

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@Anonymous wrote:

This is my first time posting and I tried searching and I didn't really see what I was looking for...

I have a charged off Capital One account that I settled early in 2019 and I also have another current Capital One CC that I was able to start after I made that settlement which I have maintainted a perfect payment history and have worked the usage to my benefit to improve my FICO scores.

I am wondering if it is worth it to send a goodwill letter requesting the settled account be removed or whether I just need to pay off the remaining balance and request a PFD.  Or is there a better way to try to get this removed from my credit?  

Thanks!

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Pay off what? You stated you settled correct? Nothing to pay back.

You can always try a GW, but cap one doesn't normally delete and it's still rather newish, but no harm in trying .

[Anonymous]

You got capital one to give you another card after a settlement? 

I don't have any other advice that hasn't already been said - but definitely can't hurt to try! 

[OmarGB9]

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@Anonymous wrote:

You got capital one to give you another card after a settlement? 

I don't have any other advice that hasn't already been said - but definitely can't hurt to try! 

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It's actually quite common. They are probably the most forgiving lender of all.

[Anonymous]

Some people have had luck lately maybe they are softening, but if at first you do not succeed, try try again.