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Cap One goodwill success…I think? UPDATE - Denied

collics
Established Contributor

Cap One goodwill success…I think? UPDATE - Denied

I *THINK* Capital One is gonna delete my 5 late payments. This was the second time spking w them after my email to the ceo Friday. I had to call back bc they went to voicemail while I was working. 

 

The agent read the notes and confirmed the late payment dates. said it’s going to back office then to the bureaus. I was like “wait so they’re gonna be deleted?!?” She said “well we say updated but the request is going to back office and you’ll get a letter in the mail.
When I asked back on Feb/March they called and told me I didn’t qualify, apologized, and that was it. This time seems very different.

 

What y’all think?

BK 7 Discharged May 2014

FICO8s Dec 2019

FICO8s Nov 2 2021



Message 1 of 11
10 REPLIES 10
OmarGB9
Community Leader
Super Contributor

Re: Cap One goodwill success…I think?

Sounds promising. Let us know the outcome.


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 11
mommydiva
Frequent Contributor

Re: Cap One goodwill success…I think?

Definitely sounds like they're going to delete/update/remove Smiley Happy Good luck!

Message 3 of 11
collics
Established Contributor

Re: Cap One goodwill success…I think?

Thanks! That would be 5 late pmts removed. Keeping my fingers crossed. Will def update when i have a sure answer. 

BK 7 Discharged May 2014

FICO8s Dec 2019

FICO8s Nov 2 2021



Message 4 of 11
Toastyy
New Member

Re: Cap One goodwill success…I think?

They just called me Friday and said something similiar. However, she made it clear she was going to remove all 7 late payments and I would receive a letter in the mail confirming this. So congrats!

Message 5 of 11
collics
Established Contributor

Re: Cap One goodwill success…I think?


@Toastyy wrote:

They just called me Friday and said something similiar. However, she made it clear she was going to remove all 7 late payments and I would receive a letter in the mail confirming this. So congrats!


Congratulations! I definitely hope so. Fingers crossed. 

BK 7 Discharged May 2014

FICO8s Dec 2019

FICO8s Nov 2 2021



Message 6 of 11
RLDrax
Member

Re: Cap One goodwill success…I think?

Would you mind sharing your goodwill Letter? I have 3 lates from 2016 when I was in college. Been perfect since. Cant get a cli. The card has been stuck at a $500 limit since lol. 

Amex Amazon Business Prime - $8,000
NASA FCU PAR - $5,000
Discover It - $4,000
Citi Double Cash - $600
CapOne Quicksilver One - $500
Message 7 of 11
collics
Established Contributor

Re: Cap One goodwill success…I think?


@RLDrax wrote:

Would you mind sharing your goodwill Letter? I have 3 lates from 2016 when I was in college. Been perfect since. Cant get a cli. The card has been stuck at a $500 limit since lol. 


I'll be happy to send it to you but may not help

update they ended up denying :-( 

 

they said the credit dispute department could never get in contact w me to go over the details. I told the rep the time I was available to speak but they called three times during my work hours. So I said what more info do they need? Why can I not spk w them now? I always call back within 5 mins of them leaving a voicemail cause I had to walk away from working to call back. 
he could not give me a straight answer. I just said forget it I won't ask again. 

Doesn't matter. I'll likely close both cap one card by 2023. They aren't very generous with increases and reward structures aren't competitive. 

 

BK 7 Discharged May 2014

FICO8s Dec 2019

FICO8s Nov 2 2021



Message 8 of 11
Lostinthegame
New Contributor

Re: Cap One goodwill success…I think?


@collics wrote:

@RLDrax wrote:

Would you mind sharing your goodwill Letter? I have 3 lates from 2016 when I was in college. Been perfect since. Cant get a cli. The card has been stuck at a $500 limit since lol. 


I'll be happy to send it to you but may not help

update they ended up denying :-( 

 




Try again and this time don't let the call go to voicemail. They always call from a 1800xxx7070 number. 

Good luck!








Message 9 of 11
collics
Established Contributor

Re: Cap One goodwill success…I think?


@Lostinthegame wrote:

@collics wrote:

@RLDrax wrote:

Would you mind sharing your goodwill Letter? I have 3 lates from 2016 when I was in college. Been perfect since. Cant get a cli. The card has been stuck at a $500 limit since lol. 


I'll be happy to send it to you but may not help

update they ended up denying :-( 

 




Try again and this time don't let the call go to voicemail. They always call from a 1800xxx7070 number. 

Good luck!


They continued to call during my work hours despite them asking and being told the times I am free to talk. I am not able to answer the phone during work. 
This was my second time trying and I won't ask them again. I'll just wait for them to fall off. 

BK 7 Discharged May 2014

FICO8s Dec 2019

FICO8s Nov 2 2021



Message 10 of 11
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