Negotiating with Capital One Bank

[AA2015]

Today I spoke with an representative and supervisor with Capital One Bank.  I wanted to know, if I settle an debt with them would they be willing to remove all negative information such as account and trade line from Experian, Equifax, TransUnion, and any other credit reporting agency. Both, the representative and supervisor said, " Capital One does not participate in early removal." Is this information true? Any advice?

[tufa4311]

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@AA2015 wrote:

Today I spoke with an representative and supervisor with Capital One Bank.  I wanted to know, if I settle an debt with them would they be willing to remove all negative information such as account and trade line from Experian, Equifax, TransUnion, and any other credit reporting agency. Both, the representative and supervisor said, " Capital One does not participate in early removal." Is this information true? Any advice?

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Of course they do early removal but they're not going to tell you that, here's one of many, many examples, just search the forum:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/WOW-Capital-One-Removing-Charge-Off/td-p/3381...

Send letter's/emails to the CEO offering a PFD, if that does not work then pay it then start a GW Removal campaign.

http://bit.ly/1g0P1zO

[AA2015]

Thank you, tufa4311!