topic Re: Verizon help in Rebuilding Your Credit

Verizon help

Anonymous — Wed, 05 May 2021 04:35:13 GMT

What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?

Re: Verizon help

CH-7-Mission-Accomplished — Wed, 05 May 2021 04:53:15 GMT

@Anonymous wrote:
What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?

My partner had a Verizon bill that went to collections. Over time the collection agency would change and the old one would vanish and a new company would appear. At one point when I saw the collection agent vanish, and before a new one appered, I called Verizon, entered his phone number, and it reported the amount due. I got a customer service rep on the phone and I explained how it was due to an oversight, and I was very adamant, and the CSR patched in his supervisor, and poof, I paid the bill and there was no collection account remark on his reports. That was his only derogatory and his scores jumped 60-70 points per bureau.

Utilities don't care about punishing you, they just want their money. Verizon is easy to clear up. Just be tough and persistent.

Re: Verizon help

Anonymous — Wed, 05 May 2021 05:14:45 GMT

@CH-7-Mission-Accomplished wrote:
@Anonymous wrote:
What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?
My partner had a Verizon bill that went to collections. Over time the collection agency would change and the old one would vanish and a new company would appear. At one point when I saw the collection agent vanish, and before a new one appered, I called Verizon, entered his phone number, and it reported the amount due. I got a customer service rep on the phone and I explained how it was due to an oversight, and I was very adamant, and the CSR patched in his supervisor, and poof, I paid the bill and there was no collection account remark on his reports. That was his only derogatory and his scores jumped 60-70 points per bureau.

Utilities don't care about punishing you, they just want their money. Verizon is easy to clear up. Just be tough and persistent.

It has never been sent to a collections agency. Or at least it has never showed up on his credit as one. It still shows with Verizon as a charged off account

Re: Verizon help

CH-7-Mission-Accomplished — Wed, 05 May 2021 05:17:07 GMT

@Anonymous wrote:
@CH-7-Mission-Accomplished wrote:
@Anonymous wrote:
What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?
My partner had a Verizon bill that went to collections. Over time the collection agency would change and the old one would vanish and a new company would appear. At one point when I saw the collection agent vanish, and before a new one appered, I called Verizon, entered his phone number, and it reported the amount due. I got a customer service rep on the phone and I explained how it was due to an oversight, and I was very adamant, and the CSR patched in his supervisor, and poof, I paid the bill and there was no collection account remark on his reports. That was his only derogatory and his scores jumped 60-70 points per bureau.

Utilities don't care about punishing you, they just want their money. Verizon is easy to clear up. Just be tough and persistent.
It has never been sent to a collections agency. Or at least it has never showed up on his credit as one. It still shows with Verizon as a charged off account

Just call them up, tell them it was a mistake, tell them you will pay it in full if they remove it from your reports. No collection agency, all the better. Be assertive. Make it clear that without a delete you won't pay it.

Re: Verizon help

Anonymous — Wed, 05 May 2021 17:19:30 GMT

@Anonymous wrote:
What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?

Unfortunately, Verizon would not budge on a PFD, at least for me and most other data points I've seen around here. They were included in my BK and two months after discharge, they showed up on my CR with an internal collection (no collection agency, thankfully). My BK attorney and I spent an inordinate amount of time with their BK and Recovery department and no dice. Basically, because my family member who I charged with returning the equipment (I had already switched to Spectrum and had last minute travel) did not do so timely, it was considered continuation of services after BK and I was on the hook for the $. I ended up paying them in full, account status changed on CR from collection to paid collections, and I got a score boost.

YMMV. Good luck with dealing with them!

Re: Verizon help

gdale6 — Wed, 05 May 2021 17:26:10 GMT

@Anonymous wrote:
@Anonymous wrote:
What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?
Unfortunately, Verizon would not budge on a PFD, at least for me and most other data points I've seen around here. They were included in my BK and two months after discharge, they showed up on my CR with an internal collection (no collection agency, thankfully). My BK attorney and I spent an inordinate amount of time with their BK and Recovery department and no dice. Basically, because my family member who I charged with returning the equipment (I had already switched to Spectrum and had last minute travel) did not do so timely, it was considered continuation of services after BK and I was on the hook for the $. I ended up paying them in full, account status changed on CR from collection to paid collections, and I got a score boost.

YMMV. Good luck with dealing with them!

I would take that to the CFPB, you were discharged in full and they dont get to say its continuation of service unless you reaffirmed or signed a new contract.

Re: Verizon help

gdale6 — Wed, 05 May 2021 17:27:23 GMT

@Anonymous wrote:
What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?

That 2 years is only between carriers not the end user, written contract SOL would apply. Being so old its highly likely you could just explain why it wasnt paid and the mortgage processor will just move on.

Re: Verizon help

Anonymous — Wed, 05 May 2021 17:36:55 GMT

@gdale6 wrote:
@Anonymous wrote:
@Anonymous wrote:
What’s the best way to get an old Verizon bill off my credit!?
It’s says we owe $1664 we paid them $700 then a few days later got a bill for $500 so we switched companies. We moved shortly after and never received any kind of final bill or anything. It's still with Verizon and I've never seen it come up under a CA. It’s due to fall off 9/2022 but everytime we apply for a mortgage they bring it up!! It’s the only negative on there now besides a late payment to fingerhut over a year ago that didn’t come out on autopay correctly.

Does anyone know how I can get this off?! I’ve heard they will not do a PFD. And it’s well past SOL I believe since federal law states it’s 2 years for a phone bill?
Unfortunately, Verizon would not budge on a PFD, at least for me and most other data points I've seen around here. They were included in my BK and two months after discharge, they showed up on my CR with an internal collection (no collection agency, thankfully). My BK attorney and I spent an inordinate amount of time with their BK and Recovery department and no dice. Basically, because my family member who I charged with returning the equipment (I had already switched to Spectrum and had last minute travel) did not do so timely, it was considered continuation of services after BK and I was on the hook for the $. I ended up paying them in full, account status changed on CR from collection to paid collections, and I got a score boost.

YMMV. Good luck with dealing with them!
I would take that to the CFPB, you were discharged in full and they dont get to say its continuation of service unless you reaffirmed or signed a new contract.

Omg, really?! I did not reaffirm or sign a new contract. I even switched companies because I didn't think they would let me keep the service after including them in BK. They report first day of delinquency on my CRs as my BK filing date.

Definitely going to take your advice. Thank you so much! Wish I would have knew of MF while I was going through it with them. I have another question on how they reporting on EQ but I will make a new thread, so as not to hijack OPs.