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CrapOne -- Charge off or not?

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In regards to CrapOne: I am not quite sure what is going on... I unfortunately defaulted on my cc (miserable divorce) and had a judgment filed against me, which I satisfied. I was harassed by a collection agency that stated they were a recovery company for CrapOne. However, on my CR CrapOne has my account as a charge-off; and they reported my payments to Experian (I'm not sure if this hurts or helps).:twisted: How can they claim I'm a charge off then file a judgement against me and at the same time keep reporting on me? I would like nothing more than to go after them -- I have plenty of names, numbers, time and finally cash to do it... I just need to have the facts. Can anyone help me?

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