Erroneous, derogatory credit report

I have been a longstanding, loyal, and very consistent Verizon Wireless customer for over 10 years.  In all the years I have been a Verizon Wireless customer, I have ALWAYS paid my bill on time, every month.  In early 2011, I went through a divorce & released my ex-husband's line.  A couple of months later, I added a line for my son but I did not sign a contract for the new phone number.  I kept the new line (my son's) for over one year, but because for most of that year, the phone was not even used, I cancelled it around 2/2012 because I combined my account with my current husband's account, who has also been with Verizon Wireless for more than 10 years.  The reason I cancelled my son's line was because my husband's account has 4 lines, and the maximum number of lines on a Family Share Plan was 5 at the time we combined accounts.  Additionally, since my son hadn't used his phone in about 4+ months prior to the combining of accounts, it only made the best financial sense to cancel this line since it wasn't being used anyway.  Verizon even credited me one month's worth of charges (because that was as far back as the representative was allowed to credit) because she could see he never used his phone.   I thought I had a productive, good-standing relationship until October, 2012   when I received a bill for $68 from CONVERGENT COLLECTION AGENCY!!!  Needless to say, I was appalled!  From the time I got the new line until the time I cancelled the line, my monthly payment was always current and paid in full.  Immediately, I picked up the phone & called Verizon, who said it was out of their hands, and that I should contact the credit agency to pay the bill.  I then immediately contacted Convergent Collection Agency and paid the accused debt amounting to $80.90 (including the collection agency fee).  Knowing these charges were erroneous, I waited for the debt to be "cleared up" on Verizon's side, I waited nearly 30 days, then contacted Verizon again in order to clear my name/accounts.  After explaining this long & drawn out scenario, a very kind Verizon Wireless representative stated they would submit this account to be cleared of any wrongdoing on my part, & would even process a refund for me for the $60-some odd dollar outstanding balance which was turned in to the collection agency.  I explained that I paid $80.90, and asked to have the entire amount credited back or refunded to me.  I have yet to receive a refund, which is of zero importance compared to the derogatory reports against my otherwise perfect, 15 year credit history. 
The point I am trying to make is that I NEED VERIZON WIRELESS TO REMOVE THE DEROGATORY REPORT FROM MY OTHERWISE PRISTINE CREDIT HISTORY.  I have been a loyal Verizon Wireless customer for over 10 years and have no plans to change my service provider in the near future, unless I continue to be unsuccessful at getting this one single negative report deleted off of my credit.  I have been told by a Verizon representative that is impossible to remove derogatory reports from a credit report, which is UNTRUE!   I know if a company has the ability to report good standing history as well as negative history, they also have the ability to REMOVE negative information.  This negative report does NOT represent my personal values of paying my monthly bills as well as paying them ON TIME, as well as being a responsible adult, in general.  I do not feel as if I should suffer the repercussions of this ONE negative & most certainly erroneous report if I was not the source of the problem.  I feel the blame is on Verizon because someone there did not check to ensure the bill was sent to the correct address....I received a bill every month for my main account, so why wasn't it caught that my son's bill was sent to my old address (of my ex-husband, who deliberately did not give me my mail).  Another reason I am upset about this is because Verizon NEVER made an attempt to call me about the past due balance.  The line was tied to my phone number, which I have had since day 1 with Verizon (and have never changed this number).  I feel as if Verizon did not do their part to notify me of this bill, and found it easiest to turn me in to the credit bureau, without caring how someone's lack of attention and abundance of laziness would adversely affect my credit.
I have tried to contact a supervisor at Verizon regarding this issue, but was told there was no one available.  This is unacceptable to me, as I was lied to again.  I don't feel as if I should continue paying money to a company who does not care about its customers or how they are treated by it's employees.  Money is NOT the issue; a $60-something balance would have been easily and immediately taken care of, as I am easily making current monthly payments of over $340.  If Verizon does not have a solution for me IMMEDIATELY, then I will be happy to take my money every month to another wireless company who will treat it's customers like they are a real person.
Please feel free to have no less than a manager, supervisor, or better yet, a regional supervisor to contact me at ANY TIME.

This is a peer to peer forum. no managers etc. here just customers and occasionally a verizon employee comes by to assist.
Verizon like banks and credit card companies may or may not post your payment history to the three credit bureaus
If they post a delinquent account to the bureaus you can under the Fair Debt Collections Act write a letter and dispute the charge or amount they claim you owe.
Please note because the invoice was overlooked and not paid does not mean you were responsible for the payment of that invoice.
You can also call the credit bureaus to dispute the validity of the collection company and verizon but it was posted as a correct entry on your credit report. Factual reports stay on for 7 years. if you write the letter of dispute or circumstances it to will be there for potential credit grantors to view.
That is all that can be done. However there are federal and state laws that state credit bureaus can be sued in court if what they post is not accurate but truthful  entries are going to stay.

Similar Messages

  • Erroneous item on credit report from ATT account

    I switched from Verizon to ATT. Then I subsequently joined my husband's account.  ATT billed us for 1st account and we continually notified ATT. Then ATT had a collections agency contact us. We informed both collection agency and ATT.  Our account is fully paid. 3 lines about $200 per month now for 7 months. We are not looking to leave ATT but we have had no luck removing the item from our credit report. The item is erroneous. ATT is literally impossible on this matter.  Please do not tell us to call in--we already did dozens of times. Provide one person contact information who will immediately solve this problem.

    Once it is sent to collections and on the credit report it is out of ATT hands.
    Google how to dispute items on your credit report.
    I am assuming your husband did an assumption of liability transferring your number onto his account. That should have been the end of it, so I'm not sure what they did wrong.

  • My discharged hospital debt is showing as a derogatory account on husband's credit report

    I filed for a chapter 7 personal bankruptcy in VA in June 2011. I had a hospital bill for $227.42 that in collections and was discharged in the bankruptcy. In December 2012, Focused Recovery Solutions, Inc. sent my husband a bill. He was not listed as the responsible party at the hospital, we had seperate insurance policies, and he was only listed on hospital records as my spouse. I sent the collection agency a copy of my bankruptcy discharge papers but they replied that my husband is responsible for the bills I incurred  based on Virginia law's of Doctrine of Necessaries. (see exerpt below) On the dates of service I had elective physical therapy and did not receive any medically necessary or emergency care. We paid the bill in full but now it is showing on his credit report until as a West Asset Management derogatory account that has been paid but it's putting a dent in his credit rating.  Is there anything we can do to get this off of his credit report? We would greatly appreciate any help or advice. Letter to my husband from collection agency, 2/4/13...Based on our investigation of your  dispute, it is our position we have identified you as the correct consumer for this account. The charges incurred on the above referenced service dates were rendered to your spouse, or else your spouse signed as the responsible party for services rendered to someone else. Although your spouse filed for bankruptcy relief, you did not. Under Virginia law's Doctrine of Necessaries (VA Code 20-61 (Michie 1999)) you are therefore responsible for the balance due. ...

    I have no advice but ugh I'm sorry that's a terrible situation...my husband filed BK and I did not...I'd fly off the handles if I got stuck with his bill! I hope someone has some good advice for you. Good Luck!

  • Fico Credit report?

    I didn't know where to post this, so I just will post it here. On myfico credit report it lists an account that was included in my bankruptcy , it has under status the -last activity "September 2008" so does that mean from that date forward it starts towards the date that account should fall off? 

    Welcome to My fico  Whats on file at the CRA is what the creditors are going to see, 3rd party puller errors are the norm for the industry. To have your BK only showing on one CRA is a great plus for you doesnt happen that way very often. I dont recommend disputing anything online and believe it should always be done by mail with a letter but since you have already done so its no biggie just dont open more than 1 dispute at a time or they get to add 15 days more to the normal 30 days time to investigate.

  • How should the new note & mortgage servicer report the loan on the credit report ?

    History... Default on a modification to original note and mortgage with same lender/service provider that was made (the modification) after Chapter 7 bankruptcy discharge and never reaffirmed, no further monetary liability to signer on the note. After the modification default the loan is transferred to a new loan servicer. The trade lines continue to report CH7 status from the original loan service provider, closed account, 0 balance, etc. from the original servicer of the loan, nothing from the new servicer. A second modification is attempted via the new loan servicer and denied, After the modification denial, co-signer files CH 7. The signer on the note and mortgage quitclaims the property to co-signer.  Then the foreclosure process starts with the new loan servicer and the new loan servicer places a new trade line on the signer's credit report showing foreclosure status, account open, late, account balance shown, etc. During the foreclosure process with the new loan servicer  the co-signer files a CH 13, which is approved by the courts and the case is now closed. Regarding the signer of the note and mortgage, (not the co-signer), I thought the new loan servicer would have to report the loan on the credit report just as the prior original servicer did,  CH7 status, closed account, 0 balance, etc. I’m trying to make sense of how this is supposed to be reporting from the new loan servicer for the signer of the note and mortgage who quitclaimed the property. Thanks

    Localization does not change any of the data or text objects that you created on the report.  It will change special fields and tooltips that are a part of the viewer.  I believe it might also change the formatting of dates and numbers.  Anything more than that is translation not localization.

  • Bank of America and JPM Chase Agree to Erase Debts From Credit Reports After Bankruptcies

    http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-bankruptcies.html?hp&action=click&pgtype=Homepage&module=first-column-region&region=top-news&WT.nav=top-news&_r=1  Two of the nation’s biggest banks will finally put to rest the zombies of consumer debt — bills that are still alive on credit reports although legally eliminated in bankruptcy — potentially providing relief to more than a million Americans.Bank of America and JPMorgan Chase have agreed to update borrowers’ credit reports within the next three months to reflect that the debts were extinguished.

    gdale6 wrote:
    http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-bankruptcies.html?hp&action=click&pgtype=Homepage&module=first-column-region&region=top-news&WT.nav=top-news&_r=1  Two of the nation’s biggest banks will finally put to rest the zombies of consumer debt — bills that are still alive on credit reports although legally eliminated in bankruptcy — potentially providing relief to more than a million Americans.Bank of America and JPMorgan Chase have agreed to update borrowers’ credit reports within the next three months to reflect that the debts were extinguished.From that NY Times article:Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of “past due” or “charged off.” - I had a bunch of those, showing 60-90-120 late & then CO (charge off) after filing, and some even showing CLS (closed) in 9/2010 when I filed, but then resumed late & CO reporting after that, mostly from Chase & Citi & the 1 BoA account. I disputed every one saying that reporting late after I filed was an attempt to collect a debt under automatic stay jurisdiction of a U.S. Federal BK Court. TU & EQ promptly cleaned them all up, while EX refused. As a result I get an "A" for payment history on TU & EQ with no lates, while I get an "F" on EX w/30 some lates. Hopefully this will get EX to clean up their act.

  • Name reporting on credit report

    Hi guys I have a predicament and I would like some advice on the issue.As many Mexicans I have a really long name, and like such some problems are expected when reporting it. Everything started last year when I tried to apply for a Capital One secured credit card. The banker completely chopped my name even tho she copied it from my DL and SSC, I found that out after getting a rejection letter with my name misspelled, so that was a bust. In order to help me establish, my wife added me as an AU on one of her cards, (Capital One mind you) and basically spelled my name for the representative on the phone. A month later I tried to apply for the secured card again and was declined, this time I received the rejection letter with my full name. I then decided to just wait and concentrate on school. In January of 2015 I tried to request a free annual credit report and the site could not provide it. I ended up calling TU and requesting one over the phone. The report stated that 2 different names have been given under the same SSN. Like many Mexicans my name consist of Name -> Middle name -> Father's last name and Mother's last name. TU had me under my full name from the second application and the chopped one where the banker basically just used the first letter of my father's last name as my middle initial. I then got student loans that report under my full legal name because of my SSN. I know this cause in May I requested EQ's report and that's how it's listed. Later that month I applied with Discover and the representative told me to basically just pick a name and go with it, as that's what's commonly done in the U.S. She basically said to go by Name -> Middle initial and father's last name or else other credit cards will have a hard time finding my history. My wife ended up having to co-sign for me. What should I do? The student loans are reported under my full Mexican long name, yet Discover is only using the American version with just middle initial and father's last name which is the same my AU card has. Any thought or suggestions? Thanks.

     UncleB wrote:
    Buddy86 wrote:
    Great info, thanks man. My two last names aren't hyphened and yes, I've encountered places that don't have two separate spaces for such last names. I'm intrigued when you mention split credit files. I recently ordered my EQ report and in it I have about 5 different names. The original full lenght as it appears on my SSC and DL, reported by my student loan servicer, my shortened one(the one I go by) with middle initial and paternal last name as reported by Discover and Capital One (AU) and 3 others being a mix of both. Maternal>Middle>Paternal and First>First initial>Paternal. I do get from time to time Capital One offers under such wrong, chopped or mispelled names. I've gotten offers from AmEx and Chase and they are addressed to the names reported by Discover and Capital One. My wife has suggested I send letters to the credit bureaus asking them to erase all other names and just keep the full one and the "American" version. But both my DL and SSC have the whole name, will they still honor that request?Thankfully, split credit files aren't as much of a 'thing' as they were around 10 years ago (when I had all my issues).  Back then, even having a lot of accounts or an 'excessive' number of soft inquiries could cause a split file back then.  I also used to have issues with my accounts reporting to my father's credit file, and vice-versa, due to our having the same last name, and my father's failure to use 'Sr.'.  Thankfully, they seem to rely now more on the social security number, so it's been a while since I've had to deal with this.  My own credit reports also have multiple names, including my full name, which I believe was reported many years ago when I had also had student loans.  Here's what I currently have: First LastFirst Last JrFirst M. LastFirst M. Last JrFirst Middle Last Jr (also a couple of variations where my middle name is misspelled) So far, this has never caused me any issues.  As far as if the credit bureaus will remove the extra ones, I'm honestly not sure, but it never hurts to ask, especially on the ones that aren't even correct (mangled spellings).  A lot of people have 'aliases' on their bureau reports as well where the name is a variation, while not really being a truncated version (for example, William, goes by Bill; Margaret, goes by Peggy).  Even last names change; women regularly change their last names when they marry (and some marry more than once over the years) so this is not a big deal, either.  I have Hispanic relatives, so I'm familiar with the naming convention you're speaking of.  The 'general consensus' is that usually you can use whatever you want when it comes to credit, but you really, really need to be consistent.  I had a friend that on her driver's license had 'First Middle Maiden Married' - all of her names, so that no matter what it would be a variation of any paperwork she had.  Her paycheck from work had 'First Married', while she still had old stock certificates that had 'First Maiden', and it even got more complicated since the name she was know to the world by was not her first name, but her middle.  Just like you, having all of her names on her ID and official paperwork make things easier.  If a clerk or bank teller ever asked for ID she was fine, because her ID had all the names covered. What you don't want is to have some credit accounts listed as 'First Last1', and other accounts listed as 'First Middle Last2', for example, since it's possible for these to be seen as different people, thus the split credit file issue.  Ideally, as long as the SS# is always use this shouldn't be a problem anyway, but better safe than sorry.  As an added 'perk', having the name match up should also help with 'insta-approvals'. If it were me, I would refrain from using my full middle name, and simply use the middle initial (or in my case, none at all) since there's usually no place to put a whole middle name on a credit application.  As for your last name, consistency is the key.  While I have read of folks having issues when a hyphen isn't used, there are plenty of times where it's no problem at all.  If it were me, I would continue to use both last names as you currently are - after all, that's you! - and on the rare occasion where it's problematic simply drop down to one or the other, just always to the same one.  Hope this helps! Thanks a lot for your advise.

  • Too many credit reports?

    Over the last week or so, I've been repeatedly pulling my EQ report (pay for unlimited) to see when my CC payments / CLI post so I could app for a new card. I actually pulled my EX and TU by initiating a dispute to fix my last name & birthdate and was able to check those too. Admittedly, I did this a couple times over a few days to see when my corrections applied & when my CC payments / CLI posted. Now, when I tried to pull my EQ to see the effect of my CC app, they are saying "you already ordered that today" but I've never had this problem before always able to pull mutliple times a day. I tried to get my free credit report from TU and EX (annualcreditreport.com) and they are saying I can't view my report online and I have to mail in. Do you think I've pulled too many credit reports? I have credit monitoring with EQ and they haven't sent me any warnings of fraud so I don't think my CR have triggered a fraud flag. Is there a limit to how many CR can be pulled in a given time period? Do they freeze your reports? If so, how long does that last?

    Dupe of http://ficoforums.myfico.com/t5/General-Credit-Topics/Can-you-pull-too-many-credit-reports/td-p/4145983

  • How do you know when items will fall off your credit reports?

    Can anyone tell me how you know what date items will fall off your credit report? Thanks

    Each individual type of adverse information has its own exclusion date.  They are all set forth in FCRA 605(a). DOFD applies only to a collection or charge-off, which have an exclusion date of no later than 7 years plus 180 days from the DOFD.Monthly account delinquencies are excluded no later than 7 years from their individual dates of occurence.BKs are exluded at 7 or 10 years, depending upon their type.Tax liens become excluded no later than 7 years from date paid.Judgments become excluded on the later of 7 years from date entered, or until the expiration of the statute of limitations on enforceability of the judgment. The credit report exclusion periods are imposed on the CRAs, and set forth the date after which they can no longer include that adverse item in credit reportes they issue.The CRAs are thus required to monitor the relevant date for each type of adverse item.  The consumer should no have to request exclusion or remind the CRA of the exclusion date, but it is possible that they could miss a date, so the consumer should monitor.

  • Mortgage not reporting on Credit Report. Good/Bad?

    ...or indifferent? My mortgage was sold by Bank of America to NationStar a couple of months ago. I just pulled my credit report for the first time in a while, and noticed that I technically have no mortgage reporting right now. It'll show my Bank of America Note as "Paid, balance $0) Nothing from NationStar just yet. I understand that it can take a while for a new Servicer to begin reporting to the credit beurues, so I'm not worried about it "missing." I know it'll be back on my reports in a matter of time. However, I don't know what my credit scores were before it was sold.... Should I expect a drop/rise in score once the mortgage starts to be reported again? Is my current score a temporary increase/decrease from my actual score(s)?  

    ...or indifferent? My mortgage was sold by Bank of America to NationStar a couple of months ago. I just pulled my credit report for the first time in a while, and noticed that I technically have no mortgage reporting right now. It'll show my Bank of America Note as "Paid, balance $0) Nothing from NationStar just yet. I understand that it can take a while for a new Servicer to begin reporting to the credit beurues, so I'm not worried about it "missing." I know it'll be back on my reports in a matter of time. However, I don't know what my credit scores were before it was sold.... Should I expect a drop/rise in score once the mortgage starts to be reported again? Is my current score a temporary increase/decrease from my actual score(s)?  

  • Banks Agree to Erase Debts From Credit Reports After Bankruptcies

    FYI - "Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of “past due” or “charged off.”" http://www.nytimes.com/2015/05/08/business/dealbook/bank-of-america-and-jpmorgan-chase-agree-to-erase-debts-from-credit-reports-after-ban 

    It still doesn't work   It says "page not found)

  • Credit report - need clarifications

    Hi all,Newbie here, so I just pulled my credit report and below are my closed accounts. The only remaining item i need to pay off is the Midland Funding (in red). All the other accounts has ZERO balance (paid off). So my question are does the CHARGE-OFF status hurting my score, can it be deleted from the report, or do I have to wait for them to be deleted? I appreciate for any advice. Current Score: 624  Closed Accounts Account Name Account Number     Date Opened   Balance   Date Reported Past Due    Status Credit            Limit BANK OF AMERICA, N.A 
                                                             10/04/2007  $0                   11/30/2012                         PAYS AS AGREED   CAPITAL ONE / BEST B 
                                                             10/31/2000  $0                    12/11/2013                        CHARGE-OFF $1,800    CHASE BANK USA, NA 
                                                             07/18/2006  $0                    01/18/2012                        CHARGE-OFF $2,500    CHASE BANK USA, NA 
                                                              04/01/2001  $0                   05/01/2011                         CHARGE-OFF $2,100    CHASE BANK USA, NA 
                                                              02/01/2000  $0                   03/01/2011                         CHARGE-OFF $1,700    MIDLAND FUNDING LLC 
                                                              05/14/2012  $1,504            07/14/2015        $1,504      COLLECTION ACCOUNT   PORTFOLIO RECOVERY A 
                                                              02/28/2011  $0                     05/20/2014                       COLLECTION ACCOUNT   SPRINGLEAF FIN SRVCS 
                                                               05/01/2006  $0                    02/01/2010                         PAYS AS AGREED $3,200    SYNCB/CARE CREDIT 
                                                               06/01/2008  $0                     05/01/2011                       CHARGE-OFF $4,500   
    VERIZON WIRELESS/SOU 
                                                               12/27/2008  $0                    06/30/2014                         COLLECTION ACCOUNT   

    A reported charge-off becomes excluded no later than 7 years plus 180 days from the reported DOFD.To get it removed from your credit report earlier than its exclusion date will require obtaining a voluntary deletion by the creditor. Regarding the charge-offs that are showing $0 balance, an OC account must update to $0 if either the debt is paid OR they sell the delinquent debt.Thus, it is unclear as to whether the CO accounts showing $0 have actually been paid......?

  • Bk 7 filed, citi card IIB not on credit report

    Ran a credit report and my citi card is no where to be found. Is this something to just ignore?

    Citi appears to be one that just drops off... I had a personal loan with them that was IIB, and then when I filed, it was deleted from my report, never to be seen again.

  • Verizon reporting negative information on credit report

    Your issue has been escalated to a Verizon agent. Before the agent can begin assisting you, they will need to collect further information from you.
    Please go to your profile page for the forum, and look in the middle, right at the top where you will find an area titled "My Support Cases". You can reach your profile page by clicking on your name beside your post, or at the top left of this page underneath the title of the board.
    Under “My Support Cases” you will find a link to the private board where you and the agent may exchange information. This should be checked on a frequent basis as the agent may be waiting for information from you before they can proceed with any actions.
    To ensure you know when they have responded to you, at the top of your support case there is a drop down menu for support case options. Open that and choose "subscribe".
    Please keep all correspondence regarding your issue in the private support portal.

    I used to have a Verizon landline and had an excellent pay history with them as I currently do with Verizon Wireless.  In 2010 I decided to cancel our landline service in favor of an additional cell phone with that same number.  When I did this I received a "Final Bill" from Verizon and paid it as I always did, I also had a Verizon and Direct TV Bundle which meant I pay one bill for both services.  After about a year I received a call from Verizon's collection agency in 04/2011 for money I still owed, I told them I paid the final bill.  Apparently when you have a bundle with Direct TV some of it is billed ahead and this amount was due.  I never received another bill from Verizon for this amount so I never knew.  Once I spoke to collection agency I paid the remainder in 5/2011.  For that last 4 years Verizon has placed a negative mark on my credit report that shows as "Serious delinquency" when creditors check your credit report. I feel this is extremely unfair and has affected my credit on at least 2-3 occurrences.  I do not understand why Verizon can't see this was an honest mistake and remove the negative report.  In fact since I paid it off in 05/2011 (right after I found out about it) why did they even report it in the first place in 06/2011? Please help me!  I hear it takes 7-7.5 years to remove this from credit.  This is so unfair and I have seen that I am not alone from posts on this forum.  What can I do to get this removed so it no longer affects my credit rating? Thank you for any assistance.

  • Filing date of judgement is different from date listed on credit report.

    So first, let me say that my judgement is due to fall off in April of next year.  If it weren't for reading so many success stories and having many of my own (including an early deletion of the last paid collection account on Experian just yesterday) I might be willing to leave well enough alone. The problem is, the paid judgement is the last bad item on my report.  I just called the circuit court where my judgement was filed because the dates seemed off. I have copies of the money orders that I sent to pay the judgement and all of them were AFTER the judgement file date listed on my credit reports.  According to the clerk, my judgement was actually filed on January 12, 2009 not April 16, 2009. My question is, aren't civil judgements supposed to fall of 7 years from the filing date or is this the case of the 7 years 180 days I've heard about?  Did my payments somehow reage the judgement? If the date is indeed wrong, what is my next course of action? If the judgement rightfully is due to fall of January of 2016 I am within the 6 month range for requesting good will early deletion from at least two of the CRA's, correct?   I'd really like to buy a house next year at the best rate possible and my Fico scores are EX 709, TU 719, and EQ 721. I’m hoping this removal will help me get the best rate possible.  Thanks in advance for any insights/ opinions given.  

    Thanks for the docketing info! I'll start the ball rolling on that Monday. Regardless, if I can get the dates changed or no,t it's good to know that I have a possiblity of getting early exclusion on judgements as well. From what I read on this forum you can get a judgement vacated if he was improperly served. You can request the service info from the court where the Judgement  was placed. I, like Rebuilding, didn't show up for my court date because I assumed that being in contact and negotaiting payment was all I needed to do and judgement would be thrown out the window. Yeah I know, stupid.  Wow, if my judgement  falling off netted me 66 points I would keel over. It's my last baddie and the only bad thing on all three reports so my fingers are crossed.  Experian is an interesting one. In my case, they seem to hang on to anything and everything. The other CA's dropped most of my stuff a few months early without me even having to request it.  The only thing I had left was the judgement and one collection on Experian.  I called them mid june to ask for early deletion of the collection( 2 months ealy) because I heard they would remove it 3 months early. They turned me down, but I was very polite and thanked them  for their  time when they told me to call back April 1. I called them July 1 and after being transfered once my collection was removd. The phone call took less than 5 minutes.  It was due to fall of August 16 of this year.  The number I called was 1-800-360-7580. Note this account was not my oldest account and it was shown as being in collections so I wasn't in danger of having my Aaofa taking a hit.  Oh, one last thing. I don't think it's odd that one report had collections info that another doesn't. They not only differ in how long they keep stuff( my point about Experian having a collection nobody else had) I also think it depends on who the collector reports the info to I'll update if I get my judgement updated and EE. Otherwise Kaylavaand I will have our judgement removal day party April 16th of next year!

Maybe you are looking for