Welcome to the forum ! What the CA is offering you is a settlement. A settlement is also considered a serious derogatory. A question you need to know the answer to is in this case is who owns the debt? Did Capital One sell the debt or assign your account to the CA. Accepting the settlement is not going to make Capital One account report as a positive paid account. Most likley it will read paid charge off with a comment about legally paid for less than full balance. If you can see if you can work Pay For Delete with the CA if they are reporting. You might consider working out a payment in full with CAP 1. Bottom line is you need to od what is best for you financially now.
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