longshot w/Cap1 - thoughts?

Had a Cap1 secured card from 94 that was included in my Ch7 BK two years ago.

I have since opened an unsecured account and done well - got my CL up to $1,200, fees waived, top of the Cap1 heap for sure.

As I am knocking bad TLs off, this is my trickiest one to tackle. I think Cap1 would be pretty scrupulous about any validation attempts I might make but more importantly, I'm worried about anything carrying over to my current, unblemished account.

And even if I did get that TL deleted, it's got history I really need. So how can I get this bad TL to stay as a good TL?

I decided to write Cap1 a letter on PFB (not shared). It sounds like these get read by people who can actually make a decision.

I came up with a variation on the goodwill letter, which is entirely factual and easily confirmed by Cap1. Here's my appeal:

1) The account was secured, so that there was no real write-off - many months after the BK, I got a check for the remainder of my savings account w/Cap1.

2) The amount owed was small, easily covered by the savings balance and I still wound getting several hundred dollars back in that check.

3) I was advised by my lawyer to not pay any cards off or do anything unusual with my cards once I gave him the paperwork (which was done when he told me) because it could invalidate my claims.

IOW - I *wanted* to pay Cap1's balance but could not because it would jeopardize the entire BK.

4) The BK was not about CC or secured debt, it was about fed and state taxes and the numbers were huge. The risk of jeopardizing dismissal of those liens was unthinkable against paying down the small balance on the Cap1 card.

5) Since then, I have established an UN-secured card and gotten the CL up to 1200, had fees waived, etc.

What I am hoping for is to get Cap1 to change the TL to read paid, canceled by card-holder, etc. Since they actually did get paid, I feel that this letter is quite reasonable.

Any thoughts on this or comments with any goodwill efforts w/Cap1?

 

EX: "Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12" and " Charge Off, Collection, Or Bankruptcy"

EQ: "Included in Bankruptcy"

 

Did that once or twice - did get it to drop off TU. Then I did the math on the credit history, after seeing my score *drop* and realized I want to keep 8 years of history if I can get it to be favorable.

 

Yes, but it still would not get the "bankruptcy" out of there.

Turns out that just the word, even in a comment, makes it a very bad TL (in my own limited experience)

 

I've been unable to locate an actual goodwill letter here, but I would think that much of my intent and language was similar to a goodwill letter - we've had a good relationship, please consider changing the entry, etc.

Am I missing something?