I opened a Verizon account 03/24/08.
I closed the account a few weeks later as I was moving out of state. I stopped in a Verizon store the end of April 04/08 and they told me everything was paid up and I explained that I would not receive statements as I was moving.
08/08 I get a notice from a collection company. I called Verizon 08/30/08 and they said that I owed $175 in fees and that the earlier statement by the store was incorrect. After discussing it awhile, they agreed to remove $37.86 in fees and said they would notify the collection agency, it wouldn't go on my credit report, and that I should just wait for another statement.
10/12/08 I still had not gotten a statement so I paid $100 to the collection company via there website.
Yesterday, 10/20/08 I get a notice from myfico, I log in and see a charge off for $175 listed.
My question is, do they have to wait 180 days to report it? I thought I read that somewhere.
If not, what is the best way to dispute this?
Also, I called Verizon again and they had not record of the $37.86 credit, although they again agreed to do it and this time connected to the collection agency with me on the phone. The collection agency at first said they had no record of my payment, until I read them my confirmation number an then they were able to find it. They now say I owe ~$30 dollars but said only Verizon could remove the CO from my report (Verizon told me today only the collection agency could/would).
