Cap One Charge Off

[yme]

I have a charge off from an old Cap One Auto Finance that is due to fall off my CR in Sept. of 2013, if I write them a GW Letter or communicate with them about said account will it start the clock all over again if their response is not in my favor. They have never sent it to a collection agency but still report it each month. Any thoughts on this matter would be greatly appreciated. 

TransU  686

Equifax  656

[fused]

Welcome to the forums!

Sending a GW letter will not reset the date of when it falls off of your reports. While Cap1 is pretty difficult to deal with in these types of situations, it cannot hurt to try an GW it off of your reports.

[yme]

Thank you for the reply, then it would'nt hurt to give it a shot.   

[fused]

You can give it a shot, but I'm not a big believer in working on baddies that old.

[yme]

Yeah, sometimes it's hard being patient. But patient I'll be!