If they didn't agree to a PFD and you already paid them, then all you can do is try GW Removal. Search "GW Saturation" on here on the forums for some examples. Be aware though, they simply may not budge and may refuse to remove the TL.
ETA: Why were you disputing the accounts? Was there something inaccurate about them?
@Anonymous wrote:The accounts havent been paid yet they just offered that and said I would have to look into some things and call back. I disputed just simply because some people online said it worked. Im sure you've seen the posts but maybe its not the smartest thing to do. So pretty much I owe those 2 cards and they dont come up as derogatory marks just closed accounts that I'd like removed or the next best option to not hurt my credit or improve it
Need more info. When you say they don't come up as derogatory, what does that mean? Are they not in collections? Are they not showing a charge off? If they are not reporting as either one of those, I would take the opportunity to pay them before they do. A charge off will hurt your scores the entire 7 years it's on your report. A collection will drop your score and if the collection agency won't PFD , even if you pay it will still show up on your reports. I'm assuming they're are lates associated with these two cards? If it were me, I would pay them before they go to charge off status or collection. Then start a goodwill campaign to try to have the lates removed. Also, disputing accurate info is a no no. When it comes back verified, it usually dings your score again. Kind of like hitting the refresh button.
Goal Scores: 700 across all three
Zero derogatory remarks? I would double check that because if you stopped paying the accounts I can only assume they were eventually charged off and/or sold to a CA. Pull up your reports on annualcreditreport.com (free weekly reports until April '21 due to COVID) and look deeper into those three accounts.
Ok so the accounts haven't been charged off. The best thing that you can do is reach out to Cap One and see if they will either settle, or start you on a payment plan. If those accounts on your reports are showing a balance, they are factored into your utilization and suppressing your scores. If you can get them settled they will report 0 and stop factoring in. It's important to not let them go to collections or charge off status. Also check the statute of limitations in your state. Cap One could sue you if you're still inside of it. I would reach out to them and see what they are willing to do. After you get them settled and reporting 0, start a goodwill campaign to try and have the lates removed. Good luck.
Ignore Credit Karma for one. The annual reports is the most accurate. If it doesnt say CO. Pay it soon so they dont add it. And no Cap1 isnt know to do GW PFD's on lates. A rare one will pop up here and there.
