Hi,
I am trying to help my teen daughter to deal with a credit card account she got with Capital One. At this time, she thinks the account is with an agency but she is not totally sure. What is the best way to deal with this account. She owes $1100 and ideally, we can pay the full balance and get it deleted from her report. However, if that is not possible, we can settle the account for less (if possible) and let it stay there and age out. Not sure how to handle this or if we even have a chance of PFD. Any advice you can offer us would be appreciated.
Chase offered us $600 to pay on settled account but it stays on the report. Not ideal but we saved $473 off balance owed. They won't delete it, only will update it is paid c/o. We consider the savings to be good.
Thanks!!!!!!!!!!!
