Capital One reporting

[martypav7]

I sent couple emails for goodwill to capital one regarding late payments about year ago. They responded last week, that they will be changing those months I requested to change to not reported. Today on my Experian report. It was changed to unknown payment history. Is that harming in any way. No score increase or anything just updated report.

[OmarGB9]

It helps because you no longer have late payments on the history. You just may not have seen an increase due to other factors on your report negating the removal of those lates (which *should* give some sort of increase).

[FireMedic1]

What other baddies do you have on your reports to help you nail down whats holding you back even after getting those lates removed. Theres something else hiding somewhere. Let us know and we can help you out.

[Iusedtolurk]

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@martypav7 wrote:
I sent couple emails for goodwill to capital one regarding late payments about year ago. They responded last week, that they will be changing those months I requested to change to not reported. Today on my Experian report. It was changed to unknown payment history. Is that harming in any way. No score increase or anything just updated report.

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Ah it seems your answer was in your question (No score increase or anything just updated report.) had there been some harm you would have lost points. I would venture to guess if you have no other derogs that you would be now possessing a Clean File and if that is the case you may have moved to a different scorecard (more experienced forum members can jump in to explain these scorecards or a search will suffice as well).

I had one baddie left on my TU report and when it fell off (I was hyped waiting for it to happen)  I was shocked my score remained unchanged I was sure I was going to receive some good points (disappointed to say the least). I had one prior to the last one falling off and gained @13-23 points across the bureaus.

I have daily reports so I can tell what action did what and when.

Previously I did not know about the mysterious scorecards and I am still learning about them but I have come to the intial conclusion that when something happens and it doesn't really jell with what one may think was going to happen...it is usually due to Scorecards.

[Anonymous]

Wow that great, by chance can you PM what was said to see if I can have the same luck

[martypav7]

@ firemedic1- i know whats keeping them down. besides those lates removed i have another 11 from same account 30 day ad 60 day lates. 4 charge offs, KOHLS 300 limit/paid off, COMENITY BANK/EXPRESS 640/ paid off, INDIGO 300/ shows 0 balance but dont know who to pay this too and CAPITAL ONE 1600/ 1200 left to pay. i have 0 collections on the report but whats interesting is that when last collection was removed 2 days ago i lost 6-13 points. 

[FireMedic1]

Yeah with what you listed thats the reason there wasnt much of a change unfortunately. As more and more falls off there will be little tiny bumps. When the last neg is gone. Then it will be party time. No worries. It goes by faster than you think.