I've been attempting to dispute the capital one account that appeared on my account fraudulently for 5 months due to me falling victim to a Nigerian scam, where they took my credit card information and maxed out and CapitalOne took me to court and filed a civil judgement. I heard about Pyramid Credit Repair through a close friend and called them up and they took on my case and worked with CapitalOne and not only did they delete and retract my judgement with CapitalOne but also got the charge-off deleted. Couldn't be happier.