Capital One

[Anonymous]

Hi. I just had a question. I have two Capital One CCs that was charged off last summer. I use to get letters in the mail from a collection company. I haven't heard from them in a long time and they never showed up on my reports. Of course the charge off from Capital One shows up. I had those CCs for ten years, but developed some financial problems. The CCs balance are 1600 and 700. Should I just pay the balances? What would be the best course of action? Thanks

[Anonymous]

Sorry...I meant summer of 2015 they were charged off.

[gdale6]

I would call Cap-1 and ask them to recall the collectors in exchange for full payment on these. If they refuse then call the CA and make deal to pay in exchange for them not reporting.

[Anonymous]

Thanks for the advice