This link will let you dispute with EX. They will ask for your info and the name of the company you had adverse action from. Put in Verizon and see if they except. If it goes through you can see your report and file any disputes off of it.
Edited for me being able to answer my own questions
In the future it would be best to get a deletion agreement IN WRITING from the creditor you are going to pay off, that way they cannot make the account current and it then negatively impact your score, versus helping it.
When I first started working on my credit at the beginning of this year I was at a 512....absolutely horrible but in six months I have brought it up to a 623 and it continues to be on the rise,
I am using a Capital One secured card to help my score continue to climb and after six months of having it open I plan on possibly getting a car. So you are not ruined for the rest of your life, if I were you I would dispute it throught the agencies stating that the balance was paid and it should be removed also, obtain a secured card like mine that reports to the agencies, it's amazing how much of an impact it can make.
The only negative marks I have on my report now are four medical bills and two judgement from 5 years ago. I'd say the future is looking brighter for me and it can for you too.
Glad I read this, sorry for what happened to you. I owe Verizon (via pinnacle) $600 and was going to pay BUT if it will hurt I won't do it, not unless they agree to a PFD. Not trying to hijack but I'm in the same situation.
How much did your score drop if you don't mind me asking? I'm not sure if it would ding me as bad since Pinnacle already reported it as +120 day's late to all three CRA's.
That makes sense. Better to be lower paid then higher unpaid.