So I received my documentation from Cap1 for an old CC account, out of SOL, dropping off report in September. I'd like it off ASAP plus I'd like to pay off the original debt.
So questions are:
1) Has anyone had success PFDing with Cap1?
2) If so, given it is past SOL and due to drop off anyway, do you think if I offer the $336 they charge off but not the current $1600 'debt' (late/overlimit/finance) they will go for it
3) Can I do so by phone since they gave me a #? I'd of course fax them an agreement to sign, but it might expedite to call/fax/pay if I can do this. I have credit I want to apply to and this adds a fair # of 'Lates' to my total and adds a fair amount to my total debt (which is not high) and overdue debt.
Thanks in advance!
