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Just got off the phone with Cap One hoping to negotiate a settlement-no luck. The person I was speaking to was urged me to make a payment large enough to take me out of collections and put me back into Cap 1. She assured me that by doing this, Cap 1 would lift my already bad credit history with them of 177 days late and replace it with paid on time. Could this be true? If so, it might be worth it to try and resume paying these people off if I can swing it?

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