I got my credit score from Experion on 1/31/08 it was 714! I just recently paid off all my Credit cards and decided to check it again. My score was 642! I checked it out and all three of the credit reporting agencies have listed that my verizon account had some issues. I switched from verizon to sprint in Sept of '07. I had an online account with verizon and was not receiving paper bills. Since I closed the account I was unable to access the online account anymore. I assumed I would get a paper bill. I recieves a collections call in January, which I immediately paid. The account was paid in full Jan. 17th 2008. In Feb and Mar it was reported to each of the agencies. For TranUnion it states: Payment after Charge off/collection. For Equifax it states: Bad Debt/Collection. For Experion it states: Unpaid balance reported as a loss by credit grantor. I am in the process of disputing these because it was paid in full before the dates that it was reported, but I am still freaking out. Does this sound like something that should be disputed? Is there something else that I should do? Please help. I have called all the credit bureaus but you can't talk to real people there. Thanks
Message Edited by Jessica2863 on
07-24-2008 09:34 PM
