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I settled with verizon wireless, and I have the letter from them saying that my account will be considered "PAID IN FULL"
Today I received this alert.
Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score.
The negative referenced would be due to the added late. Absent a PFD, they always add a late in the month you paid it off or settled it. Start GWing.