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Capital Bank/Open Sky 30-Day late REMOVED!


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Last week I called Capital Bank regarding my one and only late payment with them, a 30-day late from 6/11. The very nice woman told me she'd check with her supervisor and I didn't hear anything back.

 

So I decided to give it another try today. Called and spoke to a woman who responded with that whole BS line about how the FCRA required them to post all activity whether it was positive or negative, yada, yada, yada. She wouldn't even speak to her supervisor and gave me the address for disputes. I was pretty bummed after the conversation.

 

And if it weren't for CB I probably would have stopped there. Instead...

 

Three minutes later I called back and got the FIRST woman I'd spoken with, who apologized for not getting back with me. She said she'd just gotten a response from her supervisor and was JUST about to call me (I didn't buy that either). She asked if she could put me on hold and when she came back on the phone I was prepared for the worst. BUT: she told me that they were deleting the 30-Day Late and reporting to the CRAs TONIGHT!

 

I'm TOTALLY PSYCHED and will say that if it weren't for these boards, I wouldn't be exercising my assertive muscles nearly as much as I do now. And I wouldn't be getting such good results.

 

So thanks everyone. I count each one of these little improvements in my credit as a huge victory.

Edited by bravegirl
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  • 2 months later...

Congratulations! I am just curious what number you called. I have tried customer service a few times and got a few random answers. One have me the deal about not being able to change, the other told me I had to contact capital bank. Any info would be amazing. Thanks in advance!

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Do you like your OpenSky Card? I just applied for one yesterday.. Waiting on the deposits.

It's OK. They absolutely don't unsecure. The customer service people are quite nice. I was very happy they agreed to the good will removal.

 

The card was simply to build credit for me and came in handy when I needed to rent a car. No rewards so I only use the card now to keep it active - which I don't think I need to realy worry about since it's a secured card.

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