I had 9 late payments on a Capital One card between Aug 2024 and Nov 2025 which stemmed from a rough patch when I left a job under pretty bad ethical circumstances (won’t get into all of it, but it caused a real income gap). Account’s been current since Feb 2025, balance is basically paid off, autopay’s on, no issues since.

I’ve reached out multiple times. calls, emails to executive escalation contacts, (no mailed letters though) specifically asking for a goodwill adjustment on the lates. Every single time, the response I get back is some version of “we’ve verified the information is accurate and it will continue to report as-is.”
That’s… not what I asked? I’m not disputing that the lates happened. I know they happened. I’m asking if they’d show some grace given the account’s been perfect for over a year and the balance is paid. But every rep and every written response treats it like I filed an accuracy dispute instead of a goodwill request, and then “resolves” it by telling me the info checks out.

Has anyone actually gotten a goodwill adjustment out of Capital One specifically? Did you find a different contact, a different phrasing, a different channel that actually got a real human to consider the goodwill angle instead of auto-routing it into their dispute/verification process? Or is Cap One just known for being tough about this compared to other issuers?

Appreciate any input… it feels like I’m hitting the same wall every time no matter how I approach it. Smh 🤦‍♂️

I had 9 late payments on a Capital One card between Aug 2024 and Nov 2025 which stemmed from a rough patch when I left a job under pretty bad ethical circumstances (won’t get into all of it, but it caused a real income gap). Account’s been current since Feb 2025, balance is basically paid off, autopay’s on, no issues since.

I’ve reached out multiple times. calls, emails to executive escalation contacts, (no mailed letters though) specifically asking for a goodwill adjustment on the lates. Every single time, the response I get back is some version of “we’ve verified the information is accurate and it will continue to report as-is.”
That’s… not what I asked? I’m not disputing that the lates happened. I know they happened. I’m asking if they’d show some grace given the account’s been perfect for over a year and the balance is paid. But every rep and every written response treats it like I filed an accuracy dispute instead of a goodwill request, and then “resolves” it by telling me the info checks out.

Has anyone actually gotten a goodwill adjustment out of Capital One specifically? Did you find a different contact, a different phrasing, a different channel that actually got a real human to consider the goodwill angle instead of auto-routing it into their dispute/verification process? Or is Cap One just known for being tough about this compared to other issuers?

Appreciate any input… it feels like I’m hitting the same wall every time no matter how I approach it. Smh 🤦‍♂️

Running GST on Capital One right now and had an interesting call today I wanted to share.

Background: I have 9 late payments on my Cap One account from Aug 2024 through Nov 2025. Account is paid in full, autopay set, been running daily emails to richard.fairbank@capitalone.com alongside physical goodwill letters (Round 1 June 2, Round 2 June 9).

Got a call today from a rep. Before she put me on hold she said she was going to try to remove August 2024 through January 2025 if she couldn't get all of them. That's 6 lates including the worst ones — the 90/120/150 day marks.

She put me on hold for several minutes. Came back and said there was nothing she could do and that she updated the case notes from a previous call already on my file. Then told me it would take up to 10 business days to receive an email with the outcome.

So she went from "I'm going to try to remove them" to "there's nothing I can do" in the span of one hold. Either she tried at the rep level and doesn't have system access to execute it, or she escalated it to caseworkers who actually have the authority to make that call and didn't want to get my hopes up.

Has anyone else gone through this exact process? Did the rep try manually, couldn't do it, escalate to a case team, and then get a positive result within that 10 business day window? Trying to gauge whether this is a good sign or a dead end.

Will update when the email comes in.

(Edit - I will add that the rep was extremely nice btw)

Running GST on Capital One right now and had an interesting call today I wanted to share.

Background: I have 9 late payments on my Cap One account from Aug 2024 through Nov 2025. Account is paid in full, autopay set, been running daily emails to richard.fairbank@capitalone.com alongside physical goodwill letters (Round 1 June 2, Round 2 June 9).

Got a call today from a rep. Before she put me on hold she said she was going to try to remove August 2024 through January 2025 if she couldn't get all of them. That's 6 lates including the worst ones — the 90/120/150 day marks.

She put me on hold for several minutes. Came back and said there was nothing she could do and that she updated the case notes from a previous call already on my file. Then told me it would take up to 10 business days to receive an email with the outcome.

So she went from "I'm going to try to remove them" to "there's nothing I can do" in the span of one hold. Either she tried at the rep level and doesn't have system access to execute it, or she escalated it to caseworkers who actually have the authority to make that call and didn't want to get my hopes up.

Has anyone else gone through this exact process? Did the rep try manually, couldn't do it, escalate to a case team, and then get a positive result within that 10 business day window? Trying to gauge whether this is a good sign or a dead end.

Will update when the email comes in.

(Edit - I will add that the rep was extremely nice btw)

As the question states - when do you think it’s an appropriate time to get the myFICO app and start paying for it?
I understand those are the real scores on that app, but as someone who’s downloading credit reports from an annual credit report.com like every 2 to 3 weeks and working on credit - is it worth it?

When did you guys download the MyFico and what do you guys get from it? Is there any benefit?

My scores are around 622, 561, and 543 across the three bureaus..

I have to pay charge off still reporting until 2031. First one was $870 charged off in January 2025 and paid May 2025. Second was $225 charged off in April 2025, paid May 2025. I sent Goodwill letters to both creditors and both denied saying the lights were verified accurate.

I also have an open credit card with some late history from mid 2024 through early 2025 that I just paid down to zero. I’m sending a Goodwill letter for that one this week.

One old charge off his aging off one of my reports naturally this month so not touching that one and I also have a couple of positive trade lines opening and reporting clean

My question is whether there is anything left to do on the two denied Goodwill or awaiting game until 2031. Also looking for any feedback on the Goodwill approach for the open account with a late history.