Capital One charge off

[MaryJane197]

I have a Capital One charge off on my report. This is as of May 2013. It shows 1 30 day, 60 day and 90 day late. In the notes it says Closed at consumers request. Its paid. What's my best bet for dealing with this? I've sent them a GW letter and got no response. How long will this account affect my score?

[Whitneyy]

A chargeoff will affect your score the whole time it's on your reports. 

You can try to contact Capital One EO office through Facebook to see if anyone will call you to speak about it with you.

[MaryJane197]

Okay thank you. I will try that.