topic Re: Verizon Landline PFD in Rebuilding Your Credit

Verizon Landline PFD

sammyfire2001 — Thu, 11 Dec 2008 19:17:44 GMT

So, I'm helping my best friend with her credit. She has a CO for a Verizon landline account. Does anyone have any expeirence or contact names and addresses forVerizon and PFD letters. It's a balance of only $89. I can't see them giving her a hard time of $89! Then again some companies can be rather heartless.

Re: Verizon Landline PFD

llecs — Fri, 12 Dec 2008 03:29:12 GMT

They took my DW to court for $282.50. I wouldn't put anything past them.

We sent PFDs to the addresses listed in the CR. Seems like they reported two different ones on her CRs. Their website also has some good contact info, including fax numbers.

Re: Verizon Landline PFD

Anonymous — Fri, 12 Dec 2008 19:28:49 GMT

Verizon is difficult to deal with. I had tried for about a year to get them to PFD and no luck. You will get a lot of standard company responses (a copy of the pre-written company policy). They are not personal at all. And for $89, I doubt they will bend over backovers to try to help you out. Mine was for $59. Everybody's circumstance is different I suppose. Most people will tell you just keep sending PFD letters and maybe someone might be feeling pretty good that day and actually respond to you with good news. But be prepared to dig in and fight for awhile.

Message Edited by eknock007 on 12-12-2008 11:28 AM

Re: Verizon Landline PFD

PayYouNever — Fri, 12 Dec 2008 23:33:40 GMT

it depends what part of the country you are in, but I have some information on who to talk to if you are in California.

Don't send anything to that Columbus, OH address, you won't even get a response -- EVEN if you CMRRR!!!

Re: Verizon Landline PFD

sammyfire2001 — Sat, 13 Dec 2008 01:49:39 GMT

@llecs wrote:
They took my DW to court for $282.50. I wouldn't put anything past them.

We sent PFDs to the addresses listed in the CR. Seems like they reported two different ones on her CRs. Their website also has some good contact info, including fax numbers.
So I'm assuming by the fact that they took her to court that they didn't accept any of your PDF letters.

Re: Verizon Landline PFD

sammyfire2001 — Sat, 13 Dec 2008 01:51:11 GMT

@PayYouNever wrote:
it depends what part of the country you are in, but I have some information on who to talk to if you are in California.

Don't send anything to that Columbus, OH address, you won't even get a response -- EVEN if you CMRRR!!!
I'm in NYC

Re: Verizon Landline PFD

llecs — Sat, 13 Dec 2008 02:07:41 GMT

sammyfire2001 wrote:
@llecs wrote:
They took my DW to court for $282.50. I wouldn't put anything past them.

We sent PFDs to the addresses listed in the CR. Seems like they reported two different ones on her CRs. Their website also has some good contact info, including fax numbers.
So I'm assuming by the fact that they took her to court that they didn't accept any of your PDF letters.

This is long before myFICO and accountability. I think we took the judgment the sheriff dropped off and tossed it. We didn't care. Take a number.

Now, er...um...we would own up and send PFD. Even after the judgment (which appeared briefly on CRs a couple yrs ago only to drop off later; actually appeared twice as a PR), Verizon kept the debt. That remained on her report until this past July and is over 5 yrs from DOFD. From this past January to July, we did consistently send PFDs offering 100% to a couple different addresses, all without any luck. We did get sporadic responses but they were all "No". It popped off after Verizon sold the CO to AFNI. There was a 3 month lag between the sale and when AFNI got it and during that period, we mailed the full balance to Verizon and thanked them for removing it.

Re: Verizon Landline PFD

kay82 — Mon, 15 Dec 2008 16:28:40 GMT

@PayYouNever wrote:
it depends what part of the country you are in, but I have some information on who to talk to if you are in California.

Don't send anything to that Columbus, OH address, you won't even get a response -- EVEN if you CMRRR!!!
Do you by chance still have that info. for the contact in california? Verizon is a pain and I would like to speak with someone who does not read company policy verbadum everytime I call lol..

Re: Verizon Landline PFD

Anonymous — Mon, 15 Dec 2008 17:37:08 GMT

sammyfire2001 wrote:
@PayYouNever wrote:
it depends what part of the country you are in, but I have some information on who to talk to if you are in California.

Don't send anything to that Columbus, OH address, you won't even get a response -- EVEN if you CMRRR!!!
I'm in NYC

How old is your friend's CO?

If you are still in NY(and your friend is in NY), paid CO and collections are removed 5 years from DOFD.

Re: Verizon Landline PFD

sammyfire2001 — Mon, 15 Dec 2008 19:29:33 GMT

@Anonymous wrote:
@sammyfire2001 wrote:
@PayYouNever wrote:
it depends what part of the country you are in, but I have some information on who to talk to if you are in California.

Don't send anything to that Columbus, OH address, you won't even get a response -- EVEN if you CMRRR!!!
I'm in NYC

How old is your friend's CO?

If you are still in NY(and your friend is in NY), paid CO and collections are removed 5 years from DOFD.

Hi SIdewinder - I'm not sure when the DOFD is but her experian report says it due to fall off 1/2013

Re: Verizon Landline PFD

Anonymous — Mon, 15 Dec 2008 19:40:02 GMT

sammyfire2001 wrote:

Hi SIdewinder - I'm not sure when the DOFD is but her experian report says it due to fall off 1/2013

DOFD should be 7-7.5 years from that, which would be about about July 2005-Jan 2006.

Meaning, if paid, it would be removed about 2010-2011.

I would go ahead with your original plan, as I thought the NY law might help you if it was older.