06-16-2009 04:21 AM
This company is collecting on an old Verizon Wireless account, DOFD with Verizon is 04/2004 and Verizon has
deleted the TL from all 3 CRA's. Pinnheads are giving me all kinds of grief and are listing the following on TU and on EQ&EX. Pinnacle is listing a Date Major Delinquency First Reported: as 11/2008 . I've DV them and have had no reply yet after 3 weeks.
The SOL has to be past. What are my options? PFD? I didn't think they could even list a DOFD that was different from the OC. They had it listed as 120 days late last month but this mornings TL's were changed where they did not list days late. I have copies of the CR's where they listed them as 120 days late. I never recieved a dunning letter from them only found out about them when I started pulling my credit report. Is this pulling down my credit score very much?
Pinnacle Credit Services
Creditor Name: PIN CRED SER PINNACLE CREDIT SERVIC
Account No.: ******* *******
Original Creditor: 12 VERIZON WIRELESS VERIZON WIRELESS
Responsibility: Individual Individual
Condition: Derogatory Derogatory
Original Balance: $131
Date Opened: 09/2008
Date Reported: 05/15/2009 06/15/2009
06-16-2009 06:31 AM
06-16-2009 06:51 AM - edited 06-16-2009 06:54 AM
The balances match, only EX shows a DOFD 04/2003 TU & EQ shows as a collection account also but with the 2008 date as being the date the account was opened and show 120 days late which I didn't think CO's could do. There are no other dates for DOFD on TU & EQ, its looks almost like a new account from 2008 not the original 2003 verizon had listed as DOFD. I made a mistake with the first post stating it was a 04/2004 account it is 04/2003.
I'd love to call these people but from what I read its not a good idea..
06-16-2009 07:00 AM
06-19-2009 08:54 AM
12-22-2009 01:02 PM
03-17-2012 12:23 PM
Hi, I know it's been a while on this one. Hopefully you remember. I have a $300 early termination fee from Verizon that's now with Pinnacle. I ended service in 2008 due to numerous dropped calls and paid my last bill -- then Verizon hit me with $300 with two months left on my contract.
You say the BBB notified you that the info was being removed from all 3 CRAs. The posting didn't indicate when/how you contacted the BBB? How did you contact the BBB? How did that come about, what did you say/report to the BBB? If you remember the details )
This is scheduled to drop off 2/2013 based on notes in my report, but Pinnacle updated the reporting date to 1/2012, which, I think, is affecting my score. I want to see if Pinnacle with do a settlement PFD. Or how successful will I be getting Pinnacle or the CRA to put the date back to what it should be so this doesn't show as recent. If an expert is reading this and I am misunderstanding the scenario of changing the "reported date" and the date the CRA says it will drop off. Does the collector changing the "dates" affect my score?
Trying to raise score to purchase home in June of this year (2012). Thanks!