I want to make a pay to delete offer for Capital O

I want to make a pay to delete offer for Capital One account on my credit report, I'm willing to pay in full to make it go away but do I make to the offer to Capital One or the collection agency, who has the power to delete the TL from my CR?

2 Answers

I have tried to work out a pay for delete agreement with Capital One in the past. Capital One told me that they don't do pay for delete. 


Capital One will NOT do pay for deletes.  Corporate policy.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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