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Paid Charge Off

star2413
Valued Member

Paid Charge Off

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. 

Message 1 of 7
6 REPLIES 6
FireMedic1
Super Contributor

Re: Paid Charge Off

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-...





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 7
Sadie5150
Regular Contributor

Re: Paid Charge Off

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.

Message 3 of 7
pursell1911
Regular Contributor

Re: Paid Charge Off

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


Starting 5/2018

Current 3/2019
Message 4 of 7
jrubedjmp311
New Contributor

Re: Paid Charge Off

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
Message 5 of 7
Sadie5150
Regular Contributor

Re: Paid Charge Off

Their Exec Office is who I've tried 3 times now Smiley Sad. 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...

Message 6 of 7
pursell1911
Regular Contributor

Re: Paid Charge Off

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.


Starting 5/2018

Current 3/2019
Message 7 of 7
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