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Capital One charge off- What should I do?


acenstace
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Hello all. I have one last negative on my report that I have come to terms with- a capital one charge off. It is approx. 500.00 and it has been close to 18 months since becoming first delinquent. Should I pay this account in full or take the settlement that they are offering? I have tried everything and this is the best they will do. On experian it is reparted monthly as a CO and I want to keep that from happening. Any suggestions?

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Congrats on your progress!!

From what I read from other posters,they won't do PFD. My inexperienced opinion: settle for a lower amount. Either way, I'm sure you'll be happy to stop the interest from growing on the account.

Another thread that may be helpful:

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=273663

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