Check out this Verizon account. I know this is hard to read jumbled up but in the 81 month payment history at the bottom according to the " * " this means on time paying as agreed except the 1 chargeoff month. According to the info in the report below the date of the 1st major delinquency reported was 10/08 though the payment history at the bottom says in 10/08 I was current and DOFD was 4/06 but again on the history I was current that month. If I am correct ALL reported information must be accurate. If the info in the report and the 81 month history conflict wouldn't that be considered inaccurate? According to the history I was on time 1 month and CO the next month then on time the next.....If this is considered inaccurate should I dispute it with the CB or with Verizon first? It would be nice to get this chargeoff off my report on a technicality. 
I know no one truly knows how FICO scores but how many points do you think this would get me back? Just your educated guess.
VERIZON
500 TECHNOLOGY DR
SUITE 300
WELDON SPRING , MO-63304
(877) 325-5156
Account Number: XXXX Current Status: CHARGE-OFF
Account Owner: Individual Account. High Credit:
Type of Account : Open Credit Limit:
Term Duration: Terms Frequency:
Date Opened: 03/01/2005 Balance: $ 0
Date Reported: 03/01/2009 Amount Past Due:
Date of Last Payment: 02/2009 Actual Payment Amount: $ 103
Scheduled Payment Amount: Date of Last Activity: N/A
Date Major Delinquency First Reported: 10/2008 Months Reviewed: 27
Creditor Classification: Activity Description: Paid
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: Type of Loan: Utility Company
Date of First Delinquency: 04/2006
Comments: Account paid for less than full balance,
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2009 CO *
2008 * * * * * * * * * * * *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * * * *
Thank you in advance for your input.
