https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Verizon-showing-up-as-a-Revolving-Account/m-p/2465395#M297476 <P>So apparently, my Verizon Wireless collection is being reported as a revolving account and factored into my credit card utilization. It didn't bother my score before because it was in dispute but now I have taken off the disputes it is showing high utilization of 73%. My actual credit cards are all paid down to 9% utilization. So my question since Verizon won't pay for delete, they will list this a paid in full...shouldn't it have a positive impact on my credit score? I'm thinking the recent activity of me paying it won't hurt me because it is listed as an account with high utilization and not a typcial collection. Is that right?</P> Mon, 23 Sep 2013 14:44:49 GMT HopeThruFaith 2013-09-23T14:44:49Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Verizon-showing-up-as-a-Revolving-Account/m-p/2465395#M297476 <P>So apparently, my Verizon Wireless collection is being reported as a revolving account and factored into my credit card utilization. It didn't bother my score before because it was in dispute but now I have taken off the disputes it is showing high utilization of 73%. My actual credit cards are all paid down to 9% utilization. So my question since Verizon won't pay for delete, they will list this a paid in full...shouldn't it have a positive impact on my credit score? I'm thinking the recent activity of me paying it won't hurt me because it is listed as an account with high utilization and not a typcial collection. Is that right?</P> Mon, 23 Sep 2013 14:44:49 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Verizon-showing-up-as-a-Revolving-Account/m-p/2465395#M297476 HopeThruFaith 2013-09-23T14:44:49Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Verizon-showing-up-as-a-Revolving-Account/m-p/2465443#M297480 <P>If it is being factored into your utilization and you pay it, it will have a big impact on your score, for the better.&nbsp; Then it will be forever removed from factoring in.</P> Mon, 23 Sep 2013 15:05:08 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Verizon-showing-up-as-a-Revolving-Account/m-p/2465443#M297480 Anonymous 2013-09-23T15:05:08Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Verizon-showing-up-as-a-Revolving-Account/m-p/2465513#M297485 Great. Thanks Guiness Mon, 23 Sep 2013 15:36:41 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Verizon-showing-up-as-a-Revolving-Account/m-p/2465513#M297485 HopeThruFaith 2013-09-23T15:36:41Z