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Kohls/CAP1 Charge-Off Settlement


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The last post in this topic was posted 2823 days ago. 

 

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So I have a Kohls/CAP1 card that was charged off. The account is beyond SOL in my state. Still reporting a $1600 balance and past due amount on my credit reports. I don't see being able to dispute it off with each CRAs or CAP1 just being kind and removing it from my CRs because I am such a great guy. :rofl:

 

What is the impact of contacting them and paying it in full or offering settlement amount. I think my goal is to get the balance down from $1,600 to $0. Last time CAP1 updated my CR for the account was back in 2013. Any other options I am missing?

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