Need some opinions please.So I have one CO left. It is from Capital One.I just recvd a settlement offer in the mail today from this CA. Northland Group, Inc. I owe 1700.00 and the settlement offer is for 995.00It is scheduled to come off my reports 11/2008 1/2009 2/2009Ofcourse they continue to report every month and are putting my UT over 100%I really want a pfd but ofcourse everyone says they wont do it. ( I did have one settled acct with them that was deleted about 7 months early for some reason)The letter says our client is willing to accept a settlement. Upon clearance of 995 your acct will be satisifed and closed and a release letter will be issued.We want to apply for a mortgage before it comes off my report so I have been trying to decide what to do and got this today.I assume ofcourse I need to send a DV right?Any suggestions welcome!!Thanks- this forum has been great!