Need some Help, Credit Rating effected for what I think is wrong?

[ike12]

Hi All

 Been a wacther on here for last 12 months or so and in July of last year I purchased my first new home.  Credit was around 700, In doing so with furnishing a new home etc I for sure went overboard and got alot more credit cards than i should have. Now its not an issue that i cant "pay" them, i always pay everything on time, and more than min. But i am in a place now that has my Credit Balances close to limit and my only goal is to get rid of all my credit card debt over the next 12-24 months.. Lets say $30,000 total.

My concern is that my credit score is now around 625. My problem with this is, it shows  as the first reason why  "SERIOUS DELINQUENCY" i can tell you without a doubt in the past 6-8Years I have not missed a single payment, on anything, ever... Back in college i had one captial one card and yes i did "settle to pay" at some point but that was SO long ago.. I did have verizon cable bill from when i moved and they couldnt forward my mail and ended up paying that $125 last year prior to buying my house, but that was all just a mistake as i thought i was paid in full, is this what is making the SERS DELN? wonder if Verizon would be able to remove it since i paud it a year ago? Not even sure thats it?

Can anyone please advise on what I should do about this??  and I mean just this, I well know that i have to pay my CC debt off 100%, and I will.. Im looking for help on why it reflects SERIOUS DEL> when i know i dont have any??

TY ALL

[stellar]

You need to look at all 3 of your credit reports and see what is reporting delinquency.

[InvincibleSummer3]

Where are you seeing this? Are the scores you're looking at FICO scores or from somewhere else?

The reason I say that is that some credit monitoring websites will give you weird or inaccurate information. It's entirely possible that the score changes you're seeing have to do with your utilization.

[ike12]

Upon more review it is the Verizon Cable Bill that I had to pay in full last year prior to buying my house.. This really sucks, I work hard to keep my credit good and I moved and they did not have my new address so i never knew i owed them money.. ANyone have any luck at all getting Verizon to remove something like this since its been paid in full?

[Simply827]

This section of the forum doesn't get heavy traffic, but head over to the rebuilding section to find out info about Goodwill (GW) letters. Draft one and send it to Verizon, and hopefully they'll remove the late.