* CAPITAL ONE Charge-Off DELETED with GW !!!

Questions* CAPITAL ONE Charge-Off DELETED with GW !!!
Karine Lukis asked 6 years ago

Excuse me as I am shaking as I write this.  As many know I have been rebuilding for 4 months, my scores have gone from 550s to mid 600s across the board (FICO 8s),… I had MULTIPLE COLLECTIONS deleted, charge off from First Premier, and baddies.  As of this morning, my last baddies were a Capital One CO from 2013 (only 2.5 years old, likely killing my score) and 3- 30 day lates for student loans in dispute from 12 months ago.


I GWed Cap One for weeks, and got contstant denials … UNTIL THIS AFTERNOON at 2pm.  I kept getting the generic BS of “We can not delete inaccurate information blah blah blah” … so I demanded a call from a true EXECUTIVE, as I have friends who have gotten GW deletions with Capone — I even mentioned consumer discrimination in my letter.  As of 2pm, I got a call from a to execuitve with the APPROVAL TO DELETE THE CHARGE OFF!!!!!!!!!!!!!!!  They have electronically notified the 3 bureaus and are faxing me a letter of proof tomorrow!  THIS IS MY LAST BIG BADDIE, FOR REAL!!!!  GONE! CAPITAL ONE!!!!!!


My scores today are:  EXP 644  EQ 637   TU 662 …. After this deletion, especially it being my last baddie I am expecting either a rebucketing which will make me cry LOL, or a HUGE SCORE BOOST!!!!!  TU may easily get over 700!!!!  My reports are clean with UTIL at 30%, AAofA 6.7 years, oldest 13 years, and only the 30 day lates in dispute left!!!!!!  IT CAN BE DONE PEOPLE!!!  IT CAN BE DONE Smiley Very Happy Smiley Very Happy Smiley Very Happy   I will rpeort back tomorrow if it deletes overnight which it usually does, with scores — if not, I will call my contacts at the 3 burueaus to manually delete with the letter.  I cant believe this, I really cant.  FIGHT until you get it done – THANK YOU SO MUCH to all fo you on here, I am in the HOME STRETCH!!!!!  

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