Cruz sent a message to Richard Fairbank – Chairman and CEO, Capital One – Email Address that said:
I have been a loyal card member of Capital One for Over a year now and couldn’t be happier with my decision to join the Capital One Family. You’ve always offered some of the most competitive rates and rewards programs and have always provided excellent customer service.
Unfortunately, earlier this year, I took advantage of our relationship and failed to submit my monthly payment on time. It was an exceptionally busy and chaotic time in my life as I was dealing with purchasing a home and finding daycare for my 6 month old baby. I fully respect my obligations to Capital One and have repaid every penny I owe and am now working diligently to amend my relationship with you and regain your trust
Recently, I have begun the search for a home it has come to my attention that the late/missed payment with Capital One may negatively affect my chances of obtaining competitive financing. As you may know, FICO scores and credit history are being used more and more in the mortgage lending industry.
I know this will fall off my credit report automatically in the future , 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 late/missed payments 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 the house of my dreams. I appreciate your time and hope for a gesture of goodwill and to continue doing business with Capital One.