How can this be a chargeoff, when I was ordered by the court "judgement" to pay $3850? Which I had to make the last payment to them to have it paid in full. So they got their money. No settling for less or lower deal. They got their money. So I think that it should just say CapOne PAID/FULL versus CHARGEOFF. The still got their money. I think I'm getting screwed here. BTW...I signed up for Junum this weekend to see what they can do. Sounds fishy to me. I paid all of the debt unlike some people aking for a deal. What do you think?