Re: Capital One Judgement filed in 2007 and card has not been paid since 2004 not ser
Welcome – hopefully we can help.
First you can’t get it vacated, way too late for that so take that off the table.
It’s my belief that you are past the point of settlement. This creditor has a legal right to the full amount of 1,900, why would they settle for half when they can garnish and/or place a lien for the full amount.
As for renewal just Google (insert state name) collection laws – you should be able to find the SOL of a domestic judgment in your state and wither or not it is renewal.
If you want to purchase a house then you have to pay the debt – I would do it now because you don’t want to hold up your pre-qualification, or eat at your down payment fund.
As for getting another card – that debt was sold to law firm years ago, Cap1 has charged off that account, I was sued “by” Cap1, BK’ed them in 2010 and one month after my discharge I applied and was approved for a new card. It’s all about the money and customer count.
Good Luck with Everything.
Breathe In ~ Breathe Out ~ Move On