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So here are my questions:
I am willing to offer settlement to Capital One but am concerned this will start the SOL all over again because they will then list these as “Paid Charge-off” that will remain on my report for another 7 years. Should I just wait for them to drop by SOL?
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A payment won't keep it on your report for 7 more years, and Cap One , despite nobody liking them is usually accurate in that respect. However, you don't say what state you are in - at 4+ years old, these could be out of statue for lawsuit purposes. If your only income is SSDI, you are likely not a candidate (in their eyes) for a lawsuit. It might be best to let it alone.
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Regarding the Revolving Credit account, can I ask them to eliminate their 81 month history and/or remove any negative connotation from their report?
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You can always try, since you indicate its a local bank, you might have some luck. This account is not charged off? Is it still open? What's the current status of it.
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Would it be wise to contact the hospital to make a settlement and have the “collections” item removed, or argue that the delinquent date was in 1999 and it can be removed by the CRA?.
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I would dispute it with the CRAs as illegally reaged. At this point, I wouldn't use your limited funds to pay it off. It comes off next year regardless - its not hurting your score too much.
Thanks for all the great suggestion I have seen on this forum.
Roivett
On another note - did somebody pour mud on the site today? its sloooooooooow