Does anyone know how to pay off an old account from capital one credit card?

I am trying to pay off everything on my credit report. I have an old capital one account I need to pay. I called them and they told me they can't give the information for security reasons. How am I suppose to pay them off?
Does anyone know how to pay off an old account from capital one credit card?
Is this for a defaulted/charged-off credit card account with CapOne? How old is the account? Are you sure that this account has not already been sold to a 3rd party collection agency?





Don鈥檛 make the mistake of simply cutting a check to whatever collection agency has the debt for the charge-off and assume that your credit rating will be magically restored...Doing so will not remove it from your credit reports. It will simply be updated to a "Paid Charge-Off," which, while slightly better, is still a seriously derogatory item. Per the Fair Credit Reporting Act, a charge-off, whether paid or not, can remain on a consumer's credit reports for up to seven years.





Making recent payments on old charged-off debt resets the statute of limitations on the debt in many states...which would enable the debt collector to immediately sue you for the debt. In my opinion, this potential risk is the not worth the slight increase in your credit score from paying off old charged-off debt. CapOne is a nasty, aggressive company that has a history of suing for small dollar amounts...be careful about stirring up trouble.





If you're going to pay off old-charged-off debt anyway, then you might as well negotiate the lowest settlement you can possibly get, being that the negative charge-off notation is going to stay for 7 years on your credit report anyway. You have to be VERY careful in this effort...Mail them a vaguely worded statement like:





I am willing to settle this matter for 25% of the original amount. This is in no way an admission of this debt, but rather an attempt to settle this matter. Your firm must send me a written agreement on your company's letterhead that you will accept this amount as "payment in full" and that is issue will be settled. Upon receipt of this agreement, I will mail you a money order for this amount.
Reply:Here is the contact page for Capital One. At the bottom is a link to ask about your payment address. This should be able to help you. Make sure you refer to the address where your billing was sent, which may be different from where you live now.





http://www.capitalone.com/contactus/pers...
Reply:Does Capital One still own the debt or have they charged it off and sold it to a collection agency? That's the first thing you need to determine.
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