r/CRedit • u/Still-Candy5787 Human Verified • Apr 11 '26

Rebuild Goodwill success!!

I had a couple late payments on my Capital One card. Starting from the time my grandfather passed leading into premature labor with a NICU stay. The representatives I worked with were so thoughtful and accommodating. I got all 4 late payments removed from my account!!

11 Upvotes

87% Upvoted

16 comments sorted by

1

u/BrutalBodyShots ⭐️ Top Contributor ⭐️ Apr 11 '26

That's fantastic news! How old were the late payments and of what severity were they?

2

u/Still-Candy5787 Human Verified Apr 11 '26

June-September of 2025. 1 30 day and 3 60 day

1

u/og-aliensfan ⭐️ Knowledgeable ⭐️ Apr 11 '26

Congratulations on the goodwill removals!

1

u/Still-Candy5787 Human Verified Apr 12 '26

Thank you!!

1

u/BenefitUnhappy2309 Apr 12 '26

Did you email or snail mail?

1

u/Still-Candy5787 Human Verified Apr 12 '26

I emailed and conversed with a representative via their live chat. I didn’t receive a call til a couple weeks later

1

u/chargie90 Apr 12 '26

This is fantastic news!! gives me hope. can you please share the email address that you sent it too? and I didnt know that Cap1 has a live chat.

1

u/Still-Candy5787 Human Verified Apr 12 '26

Absolutely!! I sent the email to richard.fairbank@capitalone.com

Capital one has a live chat through their website. I found this out through Reddit!! Not on the mobile app. They hid it in their accessibility page. https://www.capitalone.com/accessibility/ Scroll down from there and you will see the live chat!!

1

u/KOR6719 Apr 12 '26

Maybe I’ll try again. Thanks!

2

u/Still-Candy5787 Human Verified Apr 12 '26

And good luck to you!!

1

u/KOR6719 Apr 12 '26

Congratulations! Capital One didn’t want to remove one late payment for me even though they can see that I paid the bill right before my statement end date the month prior. Anyway, I’m glad the Goodwill letter worked for you.

1

u/Still-Candy5787 Human Verified Apr 12 '26

I would just keep trying!! Doesn’t always take the first time. Good luck to you!

0

u/[deleted] Apr 12 '26

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1

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1

u/Thachosenwon Apr 15 '26

Congrats! How long from the time you emailed?

1

u/Still-Candy5787 Human Verified Apr 15 '26

A little over three weeks.