Paid Charge Off

[Anonymous]

Hi Friends,

Has anyone had luck during the credit repair process of removing paid charge off from Capital Onc or First Premiere credit cards? If so can you please share how it was done??? These are the only 2 negative items I have and it isn't coming off easily. 

[FireMedic1]

Cap1 takes an act of God for them to remove baddies. It is very rare. Try BBS's saturation technique. Good Luck. Not sure about the other company.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-...

[Sadie5150]

Agree with medic... Cap 1 is extremely difficult and unpredictable with their good will deletions.  I can't figure out what the "magic word" is for them to approve the tradeline removal.  They're very random with their good wills.  I'd love to hear about your success if you get them to agree.

[Anonymous]

+1 for needing an act of God to have Cap One remove anything.  Have been trying for months, really thinking about giving up.

[jrubedjmp311]

I still cant get first premier gone.

Capt 1 deleted the tradeline, then gave me 2 more cards that i have kept perfect. Try their EO

[Sadie5150]

Their Exec Office is who I've tried 3 times now . Each time they investigate and then call me with the ole "sorry, you don't qualify for deletion."

They gave me a Quicksilver 1  card a couple of months ago.  I'm thinking i'll let that age for a couple of more months of charge and payoffs, then try again...

[Anonymous]

I have also tried their EO multiple times.  They investigate, then call me and tell me "we can only supply correct information to the Credit Reporting Authorities".  I just combined my Platinum to QS1, so maybe I will try again.