The details: The account went deliquent and she's been being contacted by a collection agency. The CA gave her a settlement offer for less than the amount owed. The account is of course closed. We don't know if it's charged off yet. Should she: 1) Take the settlement offer with the "I agree to pay but you delete" letter 2) Contact Cap One directly to try to settle and get the negs deleted. 3) Or just dispute and pray to God they don't verify the info? This was fairly recent (2000-2001) so Cap One would probably be able to verify, but it's not a big deal. Any info as to how to proceed would be appreciated. Thanks folks.