Listed Lates

[road2recovery]

I have a Cap 1 acct with lates that i would like to have removed from my CR. I was wondering if I dispute the late payments and the CRA's can not verify the lates, do the CRA's delete the late payments or the whole tradeline?

Thanks in Advance

[chane]

It just depends on how you dispute it. Generally, if you say you were never late, they would remove the lates. If you say the account is not yours, they would remove the whole account.

The CRAs do some really dumb shit sometimes, though. They are never consistent and they handle disputes in a half ass manner so it's impossible to tell what they will really do.

[road2recovery]

Thanks a lot for the info

Also if i write to the CRA's saying I dispute the account in its entirety, saying as if the account wasnt mine and it comes back verified can I do a 623 letter to the OC for the lates on that account? or in order for me to do a 623 letter regarding the lates do i have to dispute specifically the lates with the CRA's first?

[chane]

It would probably be best to be consistent. You don't really have to say "not mine" though. You can just say that you would like to dispute it. They will probably assume that you are saying it's not yours and investigate it accordingly, but they won't have you on record saying it's not yours, which leaves you more options and ways to dispute it at later times, should it not come off the first time.