Hi LisaMc. I just had a successful experience with Cap1 last month. I was 60 days late on all three reports, and tried to dispute it w/the CRAs. It came back verified every time (since it was true). So, I tried a goodwill letter to Cap1 (I used some suggestions from this board, but incorporated my own sad story). My expectations were not great, especially since I am considered vermin of the "subprime" variety. But to my astonishment, I received an apologetic letter in reply stating they would delete the negative information from all three CRAs, and it was indeed deleted immediately. When I wrote in, I didn't have a contact name, so I just addressed it to "customer relations manager". Thought I'd pass this info along. Good luck. It sounds like you are definitely making progress, though! BTW, any tips on how you plan to remove that pesky ch13? You sound fairly confident that you can get it deleted. I'm having trouble getting my dismissed 13 (from 1995) removed from Equifax.
