What if the collection agency is not on credit report?
I want to settle my account with Capital One. I pulled my credit report and Capital One is the only company associated with this particular debt. However, I\'ve been getting letters from a collection agency regarding this account as well as statements from Capital One. Since the collection agency is not listed on my credit report regarding this account, do I deal with Capital One or do I deal with the collection agency? This debt is approx 2 yrs old and has already been charged off.