What Now? Cap One GW Letter Disaster

[CBrent]

In response to my very nice GW letter to Capital One in which I acknowledge that I missed one 30 day payment in July of 2011, I received a letter stating that Capital One has "placed a disagreement code with a resolution of dispute on (my) credit file to the major credit reporting agencies". I was not disputing anything, and I do not want this on my credit reports. What should I do? 

I did call Capital One at the number listed in the letter, and the customer service rep with whom I spoke said that he, in response to my call, notified the three credit reporting agencies that I was not disputing anything. This doesn't feel adequate though, and I'm concerned that this "disagreement code" will end up lowering my score.  How can I stop this before it gets further out of hand? 

[gdale6]

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@CBrent wrote:

In response to my very nice GW letter to Capital One in which I acknowledge that I missed one 30 day payment in July of 2011, I received a letter stating that Capital One has "placed a disagreement code with a resolution of dispute on (my) credit file to the major credit reporting agencies". I was not disputing anything, and I do not want this on my credit reports. What should I do? 

I did call Capital One at the number listed in the letter, and the customer service rep with whom I spoke said that he, in response to my call, notified the three credit reporting agencies that I was not disputing anything. This doesn't feel adequate though, and I'm concerned that this "disagreement code" will end up lowering my score.  How can I stop this before it gets further out of hand? 

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Call the CRAs and ask the comment be deleted, it wont lower your score.

[CBrent]

Thank you. I see this has been addressed several times on this forum in the past. For example:  http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Disagreement-code-amp-resolution-of-dispute-a...

Please excuse the minor freakout. I'm just starting to regain a better FICO score and I want to protect it. 

[cartwrna]

You need to send your goodwill letter to the EO office and any other high up people for which you can locate an address. Not just there standard mailing address :-) If you initiate contact with the FaceBook chat you can ask that it be escalated.