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Capital One Credit Card Settlement?

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Capital One Credit Card Settlement?

I have 2 charged off credit cards from about 3 years ago from Capital One and was curious if I could do a settlement on them and if so, how much should I offer to pay?


One card has a balance of $657 and the other one is $583


I need to get these paid off and updating to $0 as quick as possible as I am trying to get a home loan

Message 1 of 2
Senior Contributor

Re: Capital One Credit Card Settlement?

I believe it would look better paid in full and 0 balance rather than settled for less in the eyes of the UW. You paid your debts in full.

My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 2
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