My CSC Report

[Junejer]

What are your thoughts on PFD?

[laz98]

well, it is definitely something to consider......perhaps when we get our tax return, it will be possible.  i don't mind paying them, if they will go away.  i really hate to give them 500 bucks, though.......  but i'm guessing this will help my score.

only people are always saying to be careful, because you lose the history!  but to me, it's nothing but negative history, so it can go!

verizon hasn't reported since 12/06.  i wonder if i can get them off.  they're only on my stupid EQ report.

[Junejer]

Don't do it, if they are going to play ball with you. That age isn't helping you, as much as the CA and CO is hurting you.

[laz98]

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@Junejer wrote:
Don't do it, if they are going to play ball with you. That age isn't helping you, as much as the CA and CO is hurting you.

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don't dispute verizon?

[Junejer]

No, we don't advocate disputing accurate information. You can try for a PFD. I would try working with Verizon and have them pull back the account from Midland and then Midland can be disputed off, as they are not the owner, nor a valid collector of the account at that point.

[laz98]

but i thought once they showed a $0 balance on your reports, you couldn't get them to pull the account back, because they don't own it anymore?  considering they haven't reported since 12/06, i doubt they even have my information anymore.

should i write a letter to verizon then, using this address from their website?

Verizon Wireless
Customer Service Department
Post Office Box 96082
Bellevue, WA 98009-9682

& just ask them how i can go about settling this account, & getting midland off my back?

[Junejer]

That's not necessarily true. The $0, just means that they have charged it off. They may still own the paper and assigned the account to a CA. The CA may not actually own it. DV are important to determine whether or not a CA has the right to collect from you.

[laz98]

Ok.  I guess I will DV Midland then, & see what they say.  Then, based on that, I will talk to Verizon.  I'll have to do some research on PFD letters here on the forums.

Again, thanks so much!  I don't know what I would do without this forum.  Oh yeah, suffer until 2011!!!  

[Junejer]

This place is the best. I know that it was a Godsend, when I stumbled across it nearly a year ago.