I have been very good with my credit outside of a slight increase lately in utilization but that should be paid down in the next month or 2.
At the latest, I should be seeing my final 2 collections fall off next month which will be a huge help. I have already gotten all by 1 charge-off removed across all 3 Credit Bureaus. The 1 Charge off left should also be off very soon, not completely worried because it also isnt showing a full complete credit history nor even a removal date, hoping a phone call can solve that across all 3.
I do have one more issue and thats Cap 1 Auto. My payment history looks this, eleven 30 day lates, spread out. but i did end up paying the loan in full and still on time as scheduled on the loan. They already denied my first request to get them forgiven. I resent emails and letters again.
Does anyone have any advice for Capital One Auto? This would be the main thing holding me back as the charge off and last 2 collections should be removed in a 1-2 months or so.
All you can do is try asking for GW removal, but it's tough with Cap One l. Unfortunately those lates are likely to remain until they naturally age off (2 aging off next year, the other 9 in 2024,).
Appreciate the input! Yeah ive been sending them letters and emails, hoping for the best.
@OmarGB9 wrote:All you can do is try asking for GW removal, but it's tough with Cap One l. Unfortunately those lates are likely to remain until they naturally age off (2 aging off next year, the other 9 in 2024,).
@OniStringer wrote:I have been very good with my credit outside of a slight increase lately in utilization but that should be paid down in the next month or 2.
At the latest, I should be seeing my final 2 collections fall off next month which will be a huge help. I have already gotten all by 1 charge-off removed across all 3 Credit Bureaus. The 1 Charge off left should also be off very soon, not completely worried because it also isnt showing a full complete credit history nor even a removal date, hoping a phone call can solve that across all 3.
I do have one more issue and thats Cap 1 Auto. My payment history looks this, eleven 30 day lates, spread out. but i did end up paying the loan in full and still on time as scheduled on the loan. They already denied my first request to get them forgiven. I resent emails and letters again.
Does anyone have any advice for Capital One Auto? This would be the main thing holding me back as the charge off and last 2 collections should be removed in a 1-2 months or so.
It's possible that your score is mostly being dinged due to your other derogatory items - charge offs / collections are much worse than 30-day lates which are pushing 6 yrs old.
@pizzadude wrote:
@OniStringer wrote:I have been very good with my credit outside of a slight increase lately in utilization but that should be paid down in the next month or 2.
At the latest, I should be seeing my final 2 collections fall off next month which will be a huge help. I have already gotten all by 1 charge-off removed across all 3 Credit Bureaus. The 1 Charge off left should also be off very soon, not completely worried because it also isnt showing a full complete credit history nor even a removal date, hoping a phone call can solve that across all 3.
I do have one more issue and thats Cap 1 Auto. My payment history looks this, eleven 30 day lates, spread out. but i did end up paying the loan in full and still on time as scheduled on the loan. They already denied my first request to get them forgiven. I resent emails and letters again.
Does anyone have any advice for Capital One Auto? This would be the main thing holding me back as the charge off and last 2 collections should be removed in a 1-2 months or so.
It's possible that your score is mostly being dinged due to your other derogatory items - charge offs / collections are much worse than 30-day lates which are pushing 6 yrs old.
Agreed, definitely worried about the other two items as priority. but this would be the 3rd and whilst im not too worried if i need to just age it 2 more years, i am definitely going to try my best haha