Separate names with a comma.
Discussion in 'Credit Talk' started by earl5831, Sep 16, 2003.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
My situation was this. I was building a home, starting in April 2002. There was one 30 day late on my Cap One tradeline from 99. I simply called Cap One, told them I was building a home, and asked if they could remove it. Since I had been on time for 3 years, they took it off. I didn't ask for a supervisor. The CSR simply took care of it, and thanked me for being a valued customer. They sent me a letter, confirming this. Within 60 days it was off all 3 CRA reports. It took 60 days with Equifax, just 2 weeks with the others.
Same situation with Retailer's Natl Bank. One thirty day, and it was deleted and I had a letter in my hands confirming this.
How recent were the lates?
as recent as aug 2003
spoke with account mgr he said crap one would possibly be in trouble if audited reference removing late pays etc..... i am not buying that b.s.
i asked him what harm is it by keeping late pays on my credit report didnt have a good enough answer for me to believe.... as soon as i pay them i will shoot them a nasty letter telling them i how i really feel..... i might try another supervisor....but i suspect the csr probably flagged my account to future csr's when and if i call in the future..
I had success w/Cap1 for removal of 30 day lates also. It depends upon the "reason" for the lates, and your history as a customer, as well as the CSR you deal with.
Mine was not a easy one, but I kept writing, and calling, after 2 "No"s until they agreed. Then they sent me a letter stating they would remove, and apologized for any inconvenience!
So, it can be done. It may take more than one try but just keep at it! They actually are pretty good to deal with.