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For what it's worth, I have a paid medical collections on my report that reads 'paid' on my Equifax report, while the other two state it was a paid collection. It's listed under collections on all three reports.
Is it showing as a charge off?
@cartwrna wrote:
Alright, so as many of you know, I have a Verizon collection that I've been fighting. I filed a BBB complaint due to a bunch of tacked on charges here and there as well as a 623 dispute (they never replied to), the debt is within SOL for another 6 months according to the Federal wireless SOL of 2 years. Anyways I got a reply to the BBB dispute a week or so ago that includes a PDF of Verizon's letterhead stating the debt stands at full, but upon payment they would update the status to "paid", it doesn't state "paid collection" but just "paid". Which is just a neutral comment and the collection would no longer affect me as it has no late pays showing aside from 1-90 day on EX. My question is, if I was to pay and they actually updated it to a "paid collection", would that letter be enough to get it turned around?
The 2 year SOL you are referring to applies only to billing between carriers, the written contract SOL applies to all end user telecom bills. Verizon is the OC not a CA so all they can do is report that they sent it to collections and then report the account as paid once it actually is, they would not put "paid collection".