Is the Charter stuff the only antivirus program you are using?

I see they have an online scanner on the main page, have you tried it?
http://www.charter.net/security

Could you already be infected? Scan for viruses now:
look in the center of the page for a gray box with the below wording.

[ Run Charter Online Scanner now:
Choose language:

Accept the license terms and then click the Run Check button below. You may first see a Java popup, which you should allow.

I have read and accepted the license terms]

This link takes you to the accept or reject question , then you can run it.
http://download.sp.f-secure.com/ols/...button=clicked


After that if nothing is found, then a hard drive defrag might help speed things up.
http://windows.microsoft.com/en-US/w...your-hard-disk