Does anyone have succeed sending goodwill letter to Capital 1 to remove late payments on a TL? I have 1 30 d late and 1 60 d late. If they(CAP1) don't accept my letter and take off the lates can I just close the TL and dispute it later on as not mine? Thanks for the imputes. EQ 677 EX 619 TU 562
Tomboco 99 How long have you had the account? They seem to take this into account on any goodwill adjustment. The longer you have had the account, the better. I have had good luck with calling them directly and asking for deletion of lates. The great thing about this strategy is that they can delete late pays right into their computer. If you hyave no luck with this aproach, you still have the option left to write them. Good luck psbates
Mr Cooke at Capital One personally told me that Cap1 will not delete a 30 day posting on a credit report. Regardless of the offer. I offered to pay my account in full and close it in exchange for the deletion and new "account closed by consumer, never late" notation. NO DICE. If anyone has more info on getting cap1 to bend on this, I would also be interested on the deal. direct
