Same Account ChargeOff & Judgement

Discussion in 'Credit Talk' started by BlueVegas, Apr 27, 2001.

  1. BlueVegas

    BlueVegas Active Member

    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 ;-)

  2. Cadillac408

    Cadillac408 Well-Known Member

    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! :(
  3. BlueVegas

    BlueVegas Active Member

    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.

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