Can there be a Chargeoff and judgement on the same account. I have one with CApitalOne. They said it was chraged off, butt I have a PAID judgement for $4085 for which the orignal owed was $3203. So why is it a chargeoff if I still paid money to CapOne and the sued me. Too me a charge offf is when they relaese the debt and take a loss. I actually eneded up paying more than owed. I'm still waiting on what Junum does for me. If I settled the debt in full to them, then it should not be a chargeoff. They also gave me a $200 unsecured card last week ;-) ChargeOffNVegas
I also had the same. I had a chargeoff and a judgment from American General (auto loan). When I settled the judgment (through a collection agency for AG) the chargeoff was disputed off of my reports. The judgment remains on Experian however!
Yeah it's a double WAMMY. My thing is that they sued and I paid...That doesn't sound like a chargeoff to me. Waiting on Junum to work some magic. Hell if I could get my score up around 675-700, I would fill great. Mine has changed from 593-650-635 current... Still waiting on getting the trash fixed.