On July 31, 2012, I posted my very first post here. (I think I may have been sitting in the exact same chair.) It was called The Zen of Being Approved
. It was really long and self-indulgent and I apologize to any of you who actually read the entire thing. If you haven't, don't waste your time.
What's important is that, in that post, I revealed my outstanding credit delinquencies. The one lender that has stubbornly refused to drop off my reports is Capital One. That old account was a red, neon sign, flashing "CHARGE-OFF....CHARGE-OFF" to any lender who perused my credit. Each credit application was like speed-dating with a list of STDs tattooed on your forehead.
Last week marked six and one half years since I let that account go delinquent. I sent off a round of online and fax disputes, screaming out to the CRAs "it's time for me to be clean again!" I wasn't sure if they heard me, or listened, until today.
This morning, I pulled all three credit reports.
Capital One does not appear on any of them.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]