Shae Posted April 5, 2008 Report Share Posted April 5, 2008 I have a Cap 1 CO that I settled on back when I was young and naive and didn't ask for PFD or anything...So any ideas on how I can try to get it off? Link to comment Share on other sites More sharing options...
isislc Posted April 5, 2008 Report Share Posted April 5, 2008 Did you settle in full or did you settle for a smaller amount? If you settled in full, you can try sending a GW letter. Otherwise, you won't get anywhere if you settled for a partial settlement. Link to comment Share on other sites More sharing options...
Shae Posted April 6, 2008 Author Report Share Posted April 6, 2008 Did you settle in full or did you settle for a smaller amount? If you settled in full, you can try sending a GW letter. Otherwise, you won't get anywhere if you settled for a partial settlement.Do you (or anyone else) have a good address to send this to? Or even email? Link to comment Share on other sites More sharing options...
Shae Posted April 6, 2008 Author Report Share Posted April 6, 2008 Do you (or anyone else) have a good address to send this to? Or even email?Found an email addy. Will send tonight. Fingers crossed. Settled in full. Link to comment Share on other sites More sharing options...
Shae Posted April 17, 2008 Author Report Share Posted April 17, 2008 Found an email addy. Will send tonight. Fingers crossed. Settled in full.bumpNo go on the Capital One GW letter. Any other ideas on how to get it off? or am I stuck? Link to comment Share on other sites More sharing options...
TTigggers Posted April 18, 2008 Report Share Posted April 18, 2008 Did you settle in full or did you settle for a smaller amount? If you settled in full, you can try sending a GW letter. Otherwise, you won't get anywhere if you settled for a partial settlement.Not true Isislc I had good luck with Citi accounts that I settled on.I sent them a Goodwill letter and they replied that they would remove the TL's.To the OP:How old are the CO accounts? Link to comment Share on other sites More sharing options...
Shae Posted April 18, 2008 Author Report Share Posted April 18, 2008 Not true Isislc I had good luck with Citi accounts that I settled on.I sent them a Goodwill letter and they replied that they would remove the TL's.To the OP:How old are the CO accounts?Opened: 9/04 DOFD: 1/06 Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 18, 2008 Report Share Posted April 18, 2008 I still have a CAP1 CO on my reports, DOFD 2002. They denied the GW as well. I think with Cap1, you're stuck. 1 Link to comment Share on other sites More sharing options...
Guest BucFan Posted April 18, 2008 Report Share Posted April 18, 2008 I still have a CAP1 CO on my reports, DOFD 2002. They denied the GW as well. I think with Cap1, you're stuck.Did you ever ask Cap1 for an investigation? If so, how did that go? Link to comment Share on other sites More sharing options...
Shae Posted April 18, 2008 Author Report Share Posted April 18, 2008 I still have a CAP1 CO on my reports, DOFD 2002. They denied the GW as well. I think with Cap1, you're stuck.Darn!! Guess I'll focus on something else. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 18, 2008 Report Share Posted April 18, 2008 Did you ever ask Cap1 for an investigation? If so, how did that go?No I did not. I thought about it, but there is nothing inaccurate. Unfortunately, EVERYTHING is perfectly in ordnung. When I GW'ed the Prez, I got back a nice letter with perfect dates of activity and everything. At this point, it's really not hurting me, it's paid, and it's due to fall off in a year or so (DOFD was actually 5/2001)...so it should drop before Christmas And COs that are 4 years old or older do not really hurt all that much. Link to comment Share on other sites More sharing options...
Guest BucFan Posted April 18, 2008 Report Share Posted April 18, 2008 And COs that are 4 years old or older do not really hurt all that much.I wasn't aware of that, Bud. I have been turned down for credit because of a CO that is over 7 years old. So, I just figured it was pretty bad still.Thanks for that info. Link to comment Share on other sites More sharing options...
TTigggers Posted April 18, 2008 Report Share Posted April 18, 2008 I wasn't aware of that, Bud. I have been turned down for credit because of a CO that is over 7 years old. So, I just figured it was pretty bad still.Thanks for that info.If the CO was 7 years old it should have been removed. Link to comment Share on other sites More sharing options...
TTigggers Posted April 18, 2008 Report Share Posted April 18, 2008 I didn't have a CO with Cap 1 but I had several lates and sent a goodwill on for them and they removed the lates next time they updated my CR.I do have to agree Cap 1 keeps Exelent Records they are 1 OC not to mess with. Link to comment Share on other sites More sharing options...
Guest BucFan Posted April 18, 2008 Report Share Posted April 18, 2008 If the CO was 7 years old it should have been removed.Mis-worded that. Sorry, the account is almost 8 years old. The CO will be 7 years in a few months.But still, I thought it was killing me. I wonder if it's age isn't helping me more than it's hurting me, eh...?Friggin' FICO scoring is a mystery to me, man. Link to comment Share on other sites More sharing options...
TTigggers Posted April 18, 2008 Report Share Posted April 18, 2008 I was denied credit due to CO's that were 5+ years old.I don't buy the whole "it doesn't hurt you anymore after 2 or 3 years"It was specifically stated that the CO was the reason for denial. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 18, 2008 Report Share Posted April 18, 2008 That's where the "YMMV" comes in Link to comment Share on other sites More sharing options...
TTigggers Posted April 18, 2008 Report Share Posted April 18, 2008 True very true.I look at it this way. If it is negative info, no matter how old it is, it is still negative info. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 18, 2008 Report Share Posted April 18, 2008 true. I do have to laugh a little inside when I see people get all hyped up about removing inquiries, thinking it'll help their score huge, when they still have a BK and CAs and COs and lates etc on their report. Link to comment Share on other sites More sharing options...
betam4x Posted April 18, 2008 Report Share Posted April 18, 2008 I've been denied for stuff because i had too many inquiries. It specifically stated i had too many inquiries on my credit report. I think once you get above 50 they look at ya and laugh! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 18, 2008 Report Share Posted April 18, 2008 Above 50? Holy crap! Link to comment Share on other sites More sharing options...
magician2020 Posted April 18, 2008 Report Share Posted April 18, 2008 I still have a CAP1 CO on my reports, DOFD 2002. They denied the GW as well. I think with Cap1, you're stuck.I actually had better luck with them. They were reporting a Date Opened of 05/02 which I know was incorrect, and like a Newbie with not a clue I sent them a DV letter and they are an OC. NCO was the CA for them and they were both showing up on my CR. Using TC I checked yesterday and CAP1 was off of two out of three with TU still reporting, and NCO was off of the two that they were reporting to. I actually sent the same DV letter to both OC and CA. So I really was a little surprised to see the deletions after only 17 days. With a 7 year old CAP1 acct have you tried an investigation request asking for your previous statements showing from 02? Good Luck... Link to comment Share on other sites More sharing options...
magician2020 Posted April 18, 2008 Report Share Posted April 18, 2008 That's where the "YMMV" comes in What is YMMV? I can't seem to find what it means...Thanks... Link to comment Share on other sites More sharing options...
Shae Posted April 18, 2008 Author Report Share Posted April 18, 2008 I didn't have a CO with Cap 1 but I had several lates and sent a goodwill on for them and they removed the lates next time they updated my CR.I do have to agree Cap 1 keeps Exelent Records they are 1 OC not to mess with.So if you screw them (even though I settled) - No GW. Link to comment Share on other sites More sharing options...
lovebug5 Posted April 18, 2008 Report Share Posted April 18, 2008 What is YMMV? I can't seem to find what it means...Thanks..."Your Mileage May Vary" Link to comment Share on other sites More sharing options...
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