-Unpaid Charge-off -Cap1 -Bal under $1000 -DOLA 5/01 -Past due amount has increased $88 over the past 10 months even though a/c closed by credit grantor on 12/01. 80%+ of current balance they claim due is attributable to late fees, etc. -Not past SOL -Sent validation letter first of year to CA....never validated. CA never reported on CRA. -Sent full settlement offer for deletion to Cap1 via -PFB 8 months ago---Cooke responded that cannot accept terms of deletion or "pays as agrees". -A/C now picked-up by a 2nd CA (NCO) who has been recently sent VAL letter. -Disputed with one of the CRAs back at first of year, came back verified. -Am willing to pay-in-full for full deletion or marked "pays as agrees" and removal of all negative remarks. Prefer not to wait 4 1/2 years to fall-off. Would like to resolve or get negatives removed. Any hope? Any advice on best approach in light of circumstances? Thanks.
Cap One is a nightmare I've heard. I think most that have gotten it deleted is thru disputing, not thru any random act of kindness from Cap One.
