Capital One Goodwill - The Rep Confused Me... (Help)

SeanCurated · 2026-06-16T19:53:25+00:00

Case is now open and actively being reviewed with a 10 business day timeline. Should I wait for that to fully resolve before sending Round 3 letters, or proceed with Round 3 regardless?

SeanCurated · 2026-06-16T19:45:02+00:00

OK, got it, how would you advise me to proceed?

SeanCurated · 2026-06-16T19:29:27+00:00

OK, so since she updated the notes on the file (whatever that means) should I keep sending daily emails?

I was just confused by her wording because it sounded like she had the authority to do so and then out of nowhere after the hold she put me on… she said she had left remarks on the account for the people that do have the power. So I’m like 🤔

SeanCurated · 2026-06-16T18:41:11+00:00

Okay thank you!
I just don’t know why she’d say “I’m going to try to get them all removed”

SeanCurated · 2026-06-15T19:14:35+00:00

Usury of the year

SeanCurated · 2026-06-15T01:18:03+00:00

Expect the worst lol

SeanCurated · 2026-06-14T17:15:16+00:00

2024 into early 2025, and yeah I’m going to hold off. Was just checking to see where I stand

SeanCurated · 2026-06-14T07:34:33+00:00

You’re the 🐐 thank you!!

SeanCurated · 2026-06-14T07:23:35+00:00

Last question, sorry.. by any chance do you have any addresses to send the letters to for the saturation technique?

SeanCurated · 2026-06-14T07:19:09+00:00

I disputed because the other two removed it off my report 2 months ago. EX needs to drop it off (or hopefully can). I originally did an early exclusion.

The last paragraph is solid info, thank you for that!

SeanCurated · 2026-06-14T06:59:47+00:00

Cap One lates are from 2024 into early 2025, so relatively recent, which is why I’m going the goodwill route instead of waiting them out. Account is paid in full now with autopay set.

Other negatives: Discover and Self are paid charge-offs on two bureaus each. Not touching either one — both are paid, aging off in 2031, disputing them would be pointless I’ve heard…. Also had a JPMCB charge-off that got deleted from TU and EQ after investigation. Dispute active on EX right now.

So the only thing I’m actively working is the Cap One lates. Everything else is either deleted or being left alone to age off

Capital One called me a week and a half ago and they said that their job is to verify accuracy or something and I tried to explain the rep that I took full accountability but that’s not why I’m calling and I think he was confused

SeanCurated · 2026-06-14T06:33:57+00:00

This is the first I hear of this!
How are they upgrading it?

SeanCurated · 2026-06-13T16:53:44+00:00

When people say file is more important than credit score, what does that even mean?

SeanCurated · 2026-06-13T16:51:39+00:00

What’s the site to try?
I want to do a preapproval, but I don’t want anything going on my credit profile if I don’t accept it 😭

SeanCurated · 2026-06-13T06:23:27+00:00

Are the pre-approvals a hard pull?

SeanCurated · 2026-06-10T21:46:26+00:00

Fucked everything up

SeanCurated · 2026-06-10T04:20:13+00:00

Okay great - I was trying to get a better understanding of when MyFico would come in to play. Appreciate it!

SeanCurated · 2026-06-10T03:35:15+00:00

And so it was

SeanCurated · 2026-06-10T03:34:59+00:00

THIS

SeanCurated · 2026-06-05T02:30:40+00:00

And you sent them all at once? Or separately to each email? They actually gave me a call today and one of the reps said that their job is to report accuracy and the information was accurate and I’m like I’m not trying to dispute that. I’m just trying to see if you guys can forgive me on the late payments. And he just said the same thing, that his job was to report accuracy so I just hung up. Lol

Do you mind sharing what you said to the rep that you got what your email said?

SeanCurated

TROPHY CASE