Okay, as most of you know I am fighting a couple of CA's regarding these accounts. I checked my credit report and it states both of my Household Accounts were charged off. This was due to my lousy debt settlement process but that's another story. Okay, payments have been cashed by HSBC on both accounts this month. I have paid nothing to the CA's because I am still waiting to hear back on the dv letters that I sent out over the past couple of weeks.