Please note that I can now pay in full the 3 cards that list as derogs (Capital One, Sterling and Providian) for a total of $4,320 but am looking into having HoffmanBrinker.com handle the settlement (hopefully for around $2,600 total or 60%). I now make $60K per year and I am looking to reestablish my credit. I will also be needing a new car loan in the next 6 months and a new apartment in 6-8 months. I recently pulled a credit report with Qspace (Equifax listing) and have the following listed: Credit Summary: Total Accounts: 5 Satisfactory Accounts: 4 Total Account Balance: $4,795 Total Past Due: $3,620.00 Oldest Account Open: Feb 1, 1996 Previous Deliquent 1 Only Shows 1 inquires in the past 2 years. Revolving Credit Limit: $1,831 Revolving Balance: $4795 Number of Times Deliquent Past 7 Years: 30 Days: 1 60 Days: 2 90 Days: 8 Current Accounts 1st National Bank of Marin: Date Opened: Feb 1999 Credit Limit $600 Balance: $289 ( I pay this off each month) No Deliquent or Derogs I recently asked for a credit limit increase (they normally give $100 every 6 months but I wanted more). They are putting in a request now for a limit of $1,000. They said it will take about 2 weeks before we know anything, so we'll see. I've paid this card on time and in full for the last 1 1/2 years. Household Bank: Date Opened: Feb 2000 Credit Limit: $300 Balance: $186 (I pay this off each month) No Deliquent or Derogs I called them this week and wanted to find out about getting the limit increased. They told me I would have to pay $25 to get this increased another $100. I also spoke to a supervisor who was rude and not of any assistance. I have paid this card on time and generally in full for the last 6 months! Providian: Date Opened: Oct 1996 Account Closed: Note it does not say charged off although I thought it would be. Balance: $2,713.00 7 Year Payment History: 90 Days Deliq 3 Times Sterling Bank and Trust: Date Opened: Feb 1, 1996 Account Reads as Still Open but the Balance Date Reads Oct 1, 1997. I also thought this would read Charged off. Balance: $700 Credit Limit: $700 Past Due: 0 7 Year Payment History: 30 days 1 time 60 Days 1 Time 90 Days 1 Time Capital One: Date Opened: Sept 1997 Another account that I thought would read Charged off and reads Account Open. Balance: $907 Credit Limit: $231 Past Due: $907 7 Year Payment: 60 Days 1 time 90 Days: 4 Times They sent me a letter last year saying that they would send me a new card and add my past due to the balance. When it was paid they would mark my credit report "Paid" (don't remember if they said "Paid" or "Paid Charge off" or what). Has anyone dealt with Capital One in paying the debt and keeping the card since it still reads as open? What should be my general course of action from here?? Thanks in advance!