Last baddies 2 paid CO's HELP!

[Anonymous]

The last 2 baddies on my reports are 2 paid charge offs. First Premier Bank and Verizon. I need these off!

I have written an email to FPB's President. They responded and asked for my current address. That was two weeks ago. As of the 17th they put a dispute on the reporting. They were reporting incorrectly sense I paid them last June, and reporting differently across all 3 beaurus. I asked them to cease all negative reporting and remove the TL.

Verizon was paid in February and still reported late last month and with a balance. I started a dispute with them as well through the beaurus.

What can I do from here? If they come back verified do I have another option? Thanks in advance

[RobertEG]

You can certainly dispute any inaccurate reporting, but a dispute relates only to the correction, verification, or deletion of that specific information.

If  a furnisher corrects any disputed inaccuracy, the issue of credit report deletion does not arise.

Paying the debt is not basis for deletion of a legitimate charge-off or collection.

The proper process is to request good-will deletion.  Filing disputes will correct inaccuracies, but dont usually build a feeling of good-will.

I would pursue GW requests before cleaning up minor inaccuracies.

[rmduhon]

How are they reporting incorrectly? As for Verizon, if you have proof of payment send it to the bureaus. As for removal, GW letters are the only option now.

[Anonymous]

FPB was reporting me late all the way up to March of this year on 2 beaurus and showed a balance on one. Verizon had a balance on 2 of the 3 beaurus and reported me late after PIF. Of course their removal would be amazing, but the lates are horrible, it shows I was late last month when FPB was paid off 10 months ago. When Verizon showed a 0 balance only on EX it jumped my score 13 points. I need all the points I can get.

I will try the GW letters. I tried PFD on Verizon because I know I didn't owe the amount they said. Oh well,