I had a Cap 1 chargeoff that I have disputed with the CRA's and have gotten it down from anR9 to a R5. What is the best route to either make it a positive tradeline or deletion? I talked to Eugene Cook to see what he would give me a couple of months ago. He offered to change it from anR9 to an R5 if I would pay the actual balance and he would negate all the fees. So, I've already got myself a better deal than Mr. Cooke offered, but I want to get this one taken care of. Charlie
