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Incorrect Verizon Derog removed After 3yrs; Experian Jumps 40 Points.

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ScarletFever
Frequent Contributor

Incorrect Verizon Derog removed After 3yrs; Experian Jumps 40 Points.

So, 3 years ago I move and transfer my Verizon cable/Internet/phone to new address. Making my final payment on old address for $130, I find out it was not applied to the account a few months later on MyFico reports. Sadly, this was the second such event with Verizon. Having success previously contacting a vice president in fixing the problem, I contacted the same Vp again. She had someone contact me to fix the problem. A year later,the derog was still on my reports. Verizon again promised to remove the entry again. Wanting to app, I checked my reports in October, and the entry was still there...3 years. Later! Verizon duplicated the entry, applying it to both accounts. After four weeks of going back and forth and contacting another vp, finally the entry was removed after threatening lawsuit. More frustrating was the fact that no one at Verizon or Experian understood the credit process be it e-oscar, the impact of verified/updated derogate, or the updating process. I had to nearly Beg for someone to pick up a phone and call to fix the problem without being lazy and simply letting the automated system run it's course.....after failing for t hree years. No common sense or sense of urgency. The lack of concern and awareness over the negative impact on a customers finances regarding scores/rates etc. is shocking.
.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%
Message 1 of 5
4 REPLIES 4
09Lexie
Moderator Emerita

Re: Incorrect Verizon Derog removed After 3yrs; Experian Jumps 40 Points.

Congratulations on getting it removed-finally. Definitely sorry it took so long.
Message 2 of 5
ScarletFever
Frequent Contributor

Re: Incorrect Verizon Derog removed After 3yrs; Experian Jumps 40 Points.

Thanks Lexis. You know how these things go...it's a psychological burden that is lifted. Still, no one even offered to make some sort of restitution or even say, "my bad"..
.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%
Message 3 of 5
ScarletFever
Frequent Contributor

Re: Incorrect Verizon Derog removed After 3yrs; Experian Jumps 40 Points.

"Lexi"! Damn autofill!
.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%
Message 4 of 5
myjourney
Super Contributor

Re: Incorrect Verizon Derog removed After 3yrs; Experian Jumps 40 Points.

Congrats nice score bump as a result 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 5
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