Capital One, ATTN: Customer Relations
PO Box 30285
Salt Lake City, UT 84130-0285
RE: Account Number XXXXXXXXXXXX
Dear Customer Relations,
I would like to thank you for allowing me to be a part of the Capital One Family. I will have been a loyal card member for 4 years come next month. I have been very happy with your credit card and your customer service. You were generous enough to provide me with a credit line back in 2008 when I was starting to rebuild my credit.
Unfortunately, in December of 2008, I failed to submit my monthly payment on time. I could try to blame it on my bank and their online bill pay system that I started to use, but ultimately I failed to fulfill my obligation to you and I missed my payment. It was an exceptionally busy and chaotic time in my life, as my family and I had recently moved from South Dakota to Pennsylvania for a new job. I fully respect my obligations to Capital One and have worked diligently to amend my relationship with you and regain your trust. Since that time I haven’t been late on my account. I currently use my card for both personal and business use as I travel.
Recently, I have begun the search for a new car for our family of six and it has come to my attention that the 30 day late with Capital One (from December of 2008) may negatively affect my chances of obtaining financing. As you may know, FICO scores and credit history are being used more and more in the auto lending industry. This is my only late payment on my credit report in the last four and a half years.
I know this will fall off my credit report automatically in December of 2015, which is only a few years away, but in light of my renewed focus and demonstrated commitment to rebuilding trust with your company, I am requesting that you give me a second chance at a positive credit rating by deleting the 30 day late as reported on my three major credit bureau files (Experian, TransUnion, & Equifax). I sincerely hope Capital One believes in their customers and I humbly request your consideration to allow me to pursue a safer vehicle for my four little boys and wife. I appreciate your time and hope for a gesture of goodwill and to continue doing business with Capital One.
Edited by Steveo1, 16 May 2012 - 10:11 PM.