I have 2 PAID charged off accounts with Verizon that has been paid since 2009 but first late payment for one in 2007 and the other in 2006. For some reason Verizon has wrong late payments on these closed accounts and has reported a late payment date in this year on both accounts! I have a open complaint with the BBB and they just blame Equifax and then Equifax in much more detail says its Verizon which I do believe. I am just starting to get numb to this whole process I guess, I will have to just wait to they fall off of my credit report in 2013 and 2014. Sidenote: I have Verizon landline and internet service now and have had it since year 1999 but they have been so rude and unprofessional with me that I am switching service first thing Monday morning because of this... I am soooooo done with Verizon now. Thanks for letting me vent 
Starting Score: EQ-485 TU-558 EX-576 AUG2012
We understand. Vent away. Good luck with the BBB complaint.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Thank you Shogun... I now see I am not alone.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
