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  1. Hi everyone, Trying to settle a debt with collector agency, who is suing me on behalf of OC (Capital One) Made an offer by " pay for deletion" letter and received a counteroffer by phone. The lady told me that they're counteroffering "amount", but didn't answer my questions about other terms of my "settlement offer", that includes, of course, removing all negative marks from credit report... But then, she said, something like, I'm not sure about that, we don't report anything to credit bureaus... you need to contact the original creditor directly... I think I can get