Transferred Bill went on Credit report immediately

I am making an attempt to resolve my issue before taking further action. I transferred my account from my husbands for a couple weeks and cancelled it. I owed $155. I kept getting a summary for over $250. I wanted to get the discrepancy straightened out before paying. I finally got someone on the line at Verizon Wireless that understood what error had taken place about 2 months later. I had spoken to 3 or 4 agents to get the issue straightened out. The issue was never resolved even though I was told it was over and over again. Once I got the corrected bill ( 2 months later) I still had never seen a detailed bill and was told this is what I would get. I called again- 5th or 6th time by now and was promised I would get a detailed bill. About 4 months into the ordeal I finally got the detailed bill. I am very busy, it took me a couple weeks to review the bill. I called to pay the bill and they could not find my account, every time they entered it, it came up under my husband. I tried to go through the special over due bill link and the payment went to my husbands current account. I was not aware this had happened until I got a letter from a collection agency, I called Verizon the day I received it and they said the previous payment was posted to my husbands account. Okay fine! I called the collection agency and paid them. Finally my payment went to the right bill and everything was squared away! Until a couple weeks later, I got an email saying my credit score was going down 50 points. WHOA!!! I went on credit karma to see what was going on, it was Verizon wireless. I spent hours talking to the billing department trying to get them to understand that I paid this before it went to collections, it took months to get my balance and detailed bill. Also the day it went to collections, it was sent to the bureaus. This is where I seriously feel a violation is being made by Verizon Wireless. I cannot find any law or regulation allowing this. How is this permitted? I paid the agency the day I got the first bill! It was reported to transunion etc. 10 days later!

Hi ArnettH,
The bill is now accurately showing as paid since I paid the collection agency. When I paid on my account originally I paid what I thought the amount was at the time which didn't specifically match the exact amount owed. Therefore, they didn't allow that documentation as proof of payment prior to collections. Even though it is for the same phones that were on both accounts and I made the payment from my personal account. I sent all of the documentation I had. I am very upset about the practice of sending an account to the credit bureaus the day it leaves your office. I was told this is the procedure. I paid the exact amount owed to the collection agency since they were able to locate my account immediately as opposed to the numerous phone calls I made and could not get my account pulled up by your reps because the phone was still active. I now know they needed to look by my name, a couple of them must have been newer, when I said you have to look me up by my name or my husbands account will come up, they refused to do so!
I never had an issue paying my bill, it is my bill, I owed it. I wanted to know what I was paying for and make sure it was correct. For 2 months they had one of our lines active that we had shut off. I was told I would be credited for that and it took them another 2 months to credit me correctly for their error. Mainly because they couldn't find the account or accurately make the updates when I did find someone that would look me up correctly. I spent hours on the phone trying to explain my side and why I felt this should not have gone to collections. I don't feel that calling again would get anywhere. Is this truly the practice- to send someone to the bureau the day you send an account to the collection agency? I was a supervisor at a collection agency and I have never heard of such a selfish, mean, cruel, anti-customer service thing to do. Most companies allow 30 days for payment prior to turning into the bureau. I thought it was the law!
We currently have 6 active lines with Verizon with 15 megs of data. We have had Verizon for many years- we have always been very good customers. We only have Verizon now because that is the service we can get in our home. Well guess what, we are getting ready to move and are very ready to give our 6 lines of service and $400 a month to another company!
December 20- switched 4 lines to my own name from spouse.
December 24th- He asked if I would continue to pay the entire bill while we were separated. I had the bills joined back together. I was told I would have fees and charges and would receive a final bill.
I cancelled one of the lines that was no longer on contract.
I asked if it would be itemized because I would no longer be able to look online. I was told yes final bills are itemized.
Around January 15th I got a summarized bill for an amount that seemed to be very high. I called and was again promised an itemized bill.
February 10th- I got another summary with an additional amount which was higher than the previous bill. I called and was told that I still had an active line, this was the line I cancelled.
March - April 15 - Various phone calls ranging in results from they couldn't find me or refused to find me to promising to send an accurate bill with the correct amount.
End of April- Finally received an itemized bill that appeared to be accurate with incorrectly billed amounts refunded.
Mid May- Paid the bill to the special link to recovery I had saved on my computer. I did not have the exact amount with me so I paid what I believed to be accurate.
June 7- Received collection bill
Looked at my husbands account and noticed the amount I paid was applied to his account.
Called the collection agency and paid them, the same day I got the first notice.
June 9th- The bill that was paid to collections a few short days after they received it showed up on my credit bureau as unpaid and remained showing unpaid for 2 months.
July- Spoke to Verizon multiple times for hours pleading and begging for understanding so that my credit would not be ruined. Pointing out, I am still a current customer and all of the lines are still active and Verizon took months to get my account straight to NO RESOLUTION!! For an additional 2 months or more my account still showed unpaid. Once it finally showed paid, my credit score went up about 3 points with a total new damage of about 47 points for this debacle with Verizon!
I understand there are rules and you have to be fair. There are also extenuating circumstances and situations that do not fit into a perfect box. I feel I had one of those. I expected a human to review my human situation and encountered no real person that was allowed to have a mind of their own and make a decision that made sense!

Similar Messages

Credit Reporting....Separte bills for one account?

I have been contacted by multiple collection agencies regarding a $27 dollar verizon charge that I have no previous record of. I recieved the first collection notice in May 2011 (Recievables Performance Management, LLC). The account number in question did not match my Verizon account so I requested debt validation from the agency (certified letter) and email and never recieved a response. I also contacted Verizon customer service at this same time asking for validation and the rep informed me that once the account is sent to collections, I would have to work through them for validation. The agency then sold the account to another agency (CBE Group) in June of 2011. I again said that the account number did not match my verizon number (the last number in the account was different) and formally requested data validation via certified mail and email and no response was given. I contacted CBE to follow-up on this and they now deny having any record of this collection in their system.
I am attempting to purchase a home and this issue is appearing on my credit report and severly damaging my score. I spoke to a verizon rept last night and she indicated that this $27 charge was a balance transfer from my intial activiation and that the different account numbers were actually the same account and the different numbers at the end represented different levels of the one account. She said this numbering of accounts should have been apparent to me and that the differnt numbers should not have been a concern. She said bills for the $27 were sent to me but when she listed the address it was a very old address. She said I should have updated my address. However, I did update my address as evidenced by the fact that my regular monthly bills for my service charges were being sent to the correct address. She also asked why I didn't pay the bill the first time I contacted Verizon in May--I was never given the option.   (As an aside, after I expressed sincere concern and extreme frustration about my ability to purchase my first home due to Verizon's billing practices, she asked me if I was interested in adding any additional lines or services, which I found a bit disturbing and contrary to common sense given the context of my call.)
If this is one account why did the $27 never show up on my regular bill or on my account when I accessed it online? If I have one account, why was I billed for different charges to different addresses?   I was paying my regular verizon bill each month, so how could I have known there was a separate bill going to an old address? When I activated my new phone I did it at the verizon store and the representative indicated that I had paid in full but this $27 dollar fee shows up months later via collections?
Out of frustration, I paid the $27 balance to Verizon yesterday to have the debt pulled back from collections and to change the status on my credit report to paid-- mortgages will not be processed within open disputes.   However, Verizon refuses to remove a credit entry once it is made.   I can't believe Verizon is willing to destroy my credit and my ability to secure a mortgage over this issue. I also am frustrated that Verizon says I have one account with them but when it comes to billing I miraculously have 2.   I have had no luck with Verizon customer service or contacting them via email so I am putting this here.   This has been the absolute worst experience with a company I have ever had....I want to terminate my contract but am afraid of what kind of unfair billing from Verizon would be next.

ShoyebAnsari wrote:
I sent an email to "[email protected]". I elaborated the entire problem with the date and time of recharge. I got reply within a day. If the problem is due to auto recharge, Skype team will definitely look into and provide full support. Though they returned my unauthorized transactions, the transaction is still not reflected in my CC statement. They told it will appear after 5-6 working day... Still 2 days to go. Lets see... Hope this reply would be helpful to you.
that email address is indeed correct. Yet, it is more advisable to use their webform as such will usually results to faster responses.
CONTACT SKYPE CUSTOMER SERVICE   |  HOW TO RECORD SKYPE VIDEO CALLS  | HOW TO HANDLE SUPICIOUS CALLS AND MESSAGES   |  WINDOWS PROBLEMS TROUBLESHOOTING   |  SKYPE DOWNLOAD LINKS
MORE TIPS, TRICKS AND UPDATES AT
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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.

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.

HT201359 What does it mean when a purchase is billed to "store credit"? Is it one of those iTunes gift vouchers? Only reason I ask is because I downloaded Ken Follit's FREE book from the 12 days of Christmas app and seem to have been charged 10.99 for it!

What does it mean when a purchase is billed to "store credit"? Is it one of those iTunes gift vouchers? Only reason I ask is because I downloaded Ken Follit's FREE book from the 12 days of Christmas app and seem to have been charged 10.99 for it!?

Thank you so much for the link. Am persevering thru it, will get there eventually, as I had already tried to press the Report a Problem link on the invoice, but it won' t connect to iTunes store on my iPad, it keeps saying can't connect. Infuriating. But thank you, you found me a link I would have taken ages to find.

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.

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!

Falsely Reported Delinquency to credit reporting agencies

Verizon FIOS has Falsely Reported Delinquency to credit reporting Agencies and now sending demand notices from collection agencies for a payment that is not due.
When I call to customer services they divert the call to Accounts department, then accounts department says no payment is due and transfer the call to credit reporting department , they say that not payment is pending but keep on sending demand notice from Enhanced Recovery Company for an amount which is not due to me. Verizon Fios has spoiled my credit history and harassing me for a payment that is not due in their books.
How to resolve this problem?

Hi InnocentSuffer,
Sorry you are having difficulty. An agent with access to your account will reach out to you directly by email, private message in the Forums and/or the billing telephone number on your Verizon account for more information or to help you resolve your issue.

Paid off defaulted student loan - credit report wrong

Hi Everyone, I posted this in the studen loan section but didnt get a response so trying here - Long stort short I had a studnet loan (perkins) that I believe I paid off 12 years ago come back on my credit report as defaulted. It was for $2000 and I paid it off again in May. My credit report was not updated so I desputed the listing and the dispute came back today as the following listing: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusPaidPayment Status DetailsPaid, was a collection account, insurance claim or government claim or was terminated for defaultStatus Updated07/01/2015
Payment History:
2015
JUL
C
Account History:
Collection as of Jul 2015 This is how it was reported before: U S DEPT OF ED/GSL/ATL Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Payment History It has C entries in June '12 and '13 (like what was just added to my new report). So now it is being reported as a collection as of July 2015, when it should now read OK right? By paying this off my score droped from 702 to 652 since it shows as a late collection this month. This loan went in to default in 2002, paid in full in May 2015. Shouldnt it show when it went to collection then show when it was paid? I really would appreciate the help, this has been a nightmare for me as I have called and written the ES Dept of Ed and the omsbudsman before despuiting and got no help. So I disputed and got dinged by 50 pts for paying off the loan! What should I do next?? Thanks, Im bummed out since this is the only negative i have and it just got worse. Advise please!?! Thanks!

Hi OP, I removed the posting in SLs. A topic should only be posted in one forum please refrain from this in the future. I thank you for your understanding. If you think you might get a response in a better forum you can PM any mod and ask that it me looked into for a possible move or use the report inappropriate content line under topic options to notify a mod.

Paid off defaulted Perkins loan - credit report wrong

Hi Everyone,  Long stort short I had a loan that I believe I paid off 12 years ago come back on my credit report as defaulted. It was for $2000 and I paid it off again in May. My credit report was not updated so I desputed the listing and the dispute came back today as the following listing: U S DEPT OF ED/GSL/ATL  Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusPaidPayment Status DetailsPaid, was a collection account, insurance claim or government claim or was terminated for defaultStatus Updated07/01/2015
Payment History:
2015
JUL
C
Account History:
Collection as of Jul 2015   So now it is being reported as a collection as of July 2015, when it should now read OK right? By paying this off my score droped from 702 to 652 since it shows as a late collection this month. This loan went in to default in 2002, paid in full in May 2015. Shouldnt it show when it went to collection then show when it was paid?  I really would appreciate the help, this has been a nightmare for me as I have called and written the ES Dept of Ed and the omsbudsman before despuiting and got no help. So I disputed and got dinged by 50 pts for paying off the loan! What should I do next?? Thanks, Im bummed out since this is the only negative i have and it just got worse.

This is how it was reported before: U S DEPT OF ED/GSL/ATL  Account Number1221XXXXAccount TypeInstallment LoanTerms36 MonthsDate Opened12/31/0000Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Payment History It has two fail to pay entries in June 12 and 13

Collection/Credit Reporting Agency

I have made several attempts to contact verizon wireless regarding an account that was put in collections, even though I have been making payments on it. When I finally reached a representative, I was told that they could not remove the collection from my credit report. I never received notification that the account was going to go into collections, and have made large payments very recently to rectify this situation. I am willing to pay the account in full for a removal of this credit reporting, but no one from verizon is willing to work with me. I cannot understand how you can be untruthful and say that you CANNOT remove a collection from a credit report.
The follow hasn't been done properly by verizon, so why is this on my credit report??
1. make a formal request for supporting documentation which as per FTC regulations they must provide within 5 days.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm
I will be filing a dispute, along with a formal complaint if this issue is not lawfully remedied. I will continue to send letters every day as well. This is extremely unprofessional, especially when someone IS paying on their account.
2. file a formal complaint with the FTC against Verizon and the proxy collection agency and suggest others due the same. The FTC has the most authority to deal with these types of practices.
https://www.ftccomplaintassistant.gov/
I am hereby requesting that a collections agent from Verizon contact me ASAP.

I thought that any time a bill was not paid that a company could use any means lawful to obtain and secure their rightful monies. Most companies wait almost 3 months before sending to collections. You never received any call, email, or postal mail stating that your account was past due?
If I pay a debt owed in collections, it will be removed from my credit report?
Paying a debt owed on your CR does NOT remove the negative mark. It stays on there! The only thing that will change is that the debt will be updated to say “paid in full” or something similar. The DOLA will also change to the date you paid the debt.

What does "Bill To: Store Credit" on an iTunes Receipt mean?

Hi all.
Recently two unauthorized in-app purchases were made with my iTunes account. (By-the-way, I don't even own the app the purchases were made through). The e-mailed receipts said "Billed To: Store Credit". What does that mean? I did not have a credit card tied to my iTunes account. Will I eventually be expected to pay for these purchases?
When I noticed these unauthorized purchases I changed my iTunes password and checked my purchase history. I clicked the "Report a Problem" button for the two purchases. What does that do? Nothing seemed to happen.
I have e-mailed Apple and the App developer.
I appreciate any insight or advice you may have.
Thanks.

Hi,
Did you ever receive an answer to this question? I recently bought apps thinking they would be billed on a itunes gift card credit i have. Apparently not. I do not have credit card on file and i wish to keep it this way. Will be charged on a eventual app gift card if i ever get one?
I would appreciate your advice.
Thx

Transferred Bill went on Credit report immediately

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