<prompt> Human: I have two bad credit cards charged off and now Have the money to pay them off. I was going to send a letter the pay to delete theory that was posted last month but the only information I have is for capital one, the credit card that the bad debt is on. Ive heard here about people paying to the orignal lender, then realizing the debt was sold and still on their report. The only thing credit karma is telling me is that its a capital one card and they charged it off as bad debt. Where do I go from here?  <response>: Also, it never hurts to try to negotiate an offer for the debt. Save yourself some money and see if you can get the amount down by offering them 25 of the amount. 