CA/OC Confusion

[Anonymous]

Hello:

I received a lt from a CA on January 18, 2008 that I owed $2,922.48 for Cap. One.  Then Cap One sent me a lt a week later that I needed to make a min. payment of $422.48 to get in good standing with them.  Who should I call to fix this?  The CA or Cap. One?

Thanks in advance,

Ayanna

[modernsurrender]

from what I understand I believe it's always better to deal with the OC as opposed to the CA.  Especially if they sent you something that says you can get back in good standing with them by paying x amount. 

I however am new to the credit game, so don't take my word for it haha

-Ja' Net

[dtown66]

I agree...Its always better to deal with the oc than the ca....... If its recent, the oc may have not sold the bill to the ca...

[haulingthescoreup]

I believe I have read here that Cap1 hangs on to debts, at least for a while, and just hires CA's.

Call CapOne and ask. Be sure to find out if they will pull the account back from the CA.