ok about a week and a half ago, i submitted a GW letter to see if verizon would possibly consider deleting late payments on my CR. did not hear back from them so i just shrugged it off as them saying no. so today i get a notice from EX saying that my account has been updated. so i log in and refresh my report and guess what? it is now showing on my EX report that I had FP from Feb of 08 to Jan of 2010. before all of this, it only showed FP on my report the last 9 months in 2009. looks like it only did it on EX. coz i checked my truecredit.com TU report and the only thing that changed on it was BBRZ MC finally updated history (yay!). so my question is, did this change do a lot of harm on my credit score? i mean the FAKO score for my EX did not change even with the update on this derog account. im just worried that i suffered a major setback on my credit repair journey with this change on my EX report.
but for the title of this thread....talk about the people at the recovery department being drones. i called them this morning to ask what happened to my EX report. why it is now showing about 2 years failed to pay. she said that the reason why it is showing FP (failed to pay) is because it took me that long to pay the balance. i asked her are they allowed to report all those months even though they had sold the account to a CA. she said if it's been sent to a CA, then no. but she also said that the CA would not be reporting to the credit bureaus because they do not own the debt. so i continued to ask her, but didn't verizon sell my old account to a collection agency? she said it was charged off so yes, but that the CA is not allowed to report to the CBs. and she kept going on and on about how it is not them that tells the CBs regarding if the account had late payments. she said that whatever it is saying on the CR that is has about 2 years of FPs, it is based on EX's notes and what they put on it. she said all they do is report balance and if closed. she said since mine says balance is 0 and account closed, they reported correctly. anything aside from that is the fault of EX.
i kid you guys not...those were the exact words this lady from the recovery department stated and dug her heels in and stood by everything she told me. i even asked her if the CA they sent my account to was their internal collections or 3rd party. she said it did not matter they reported correctly. i did not feel like fighting with her regarding the incorrect information given to me so i just told her she did not know what the hell she was talking about and i just hung up on her while she was trying to defend what she said.
Is this for landline or wireless? Both act independently.
Your goal should be to get them to delete vs. deleting just the lates. Even if the lates drop, it'll still be scored as a CO. Verizon (landline or cell) only reports baddies and it is impossible to get them to report as a positive (AFAIK). Verizon is famous for making the TL appear worse with each request, IME anyway. Per FICO scoring, it is still viewed as a CO. Adding the lates won't matter. Now they could update in a way to make it appear as a newer baddie and that can hurt, but the lates alone won't do that.
Both Verizons are predictable. When you have a CO'd TL, they'll delay the reporting. At some point, they'll report a balance (usually with no lates to start) and will assign the debt to a CA to collect. The CA is full of hot air and as long as the OC owns it, the CA will never report. In fact, usually if you send a DV to the CA, the CA will slink away. THey'll keep assigning it to about 3 different CAs. After a period of time and after they cycle through the CAs, they'll then auction the debt to a CA for purchase. AFNI is usually at the top of that list. Once sold, Verizon will then delete and the new CA will collect and eventually report.
If an account is CO'd, the balance doesn't necessarily go to $0. Years ago, the term "charge-off" meant something, but today you can have a CO'd account that still has a balance and reports as such and is still owned by the OC. With a CO now, it's correct for an OC to report a CO and report lates monthly up to the point it is paid or sold. In your Verizon example, they can report lates up to the point you had paid, even if they didn't report them before.
IMO, they can control those lates. They'll often appear with a dispute. Other than that, I agree with her account.
If I had that (and actually my DW does right now), I would invest in a roll of stamps, a ream of paper, and a box of envelopes. They aren't easy. I'd GW the heck out of them. I'd also call them as you did and be friendly and jot down who you talked to and when. Their offices for reporting are small and limited in scope. In time, they will give you mailing addresses, fax numbers and e-mail addresses over the phone. I'd give you mine for my prior success, but no longer have it. 
. I'm starting at square-one too, but aren't in a rush per credit repair. I just started with my first round of GWs this month. But be sure to ask them to delete.
thanks for replying llecs and p-. the account i had was for verizon wireless. i had a subscription for their wireless broadband. the only reason i told them to eat rocks at that time was because in the middle of my contract, they decided to drop my corporate discount, saying that they did not offer that when it came to wireless broadband accounts. before i opened the account, i specifically asked their rep at the corporate store i went to if my corporate discount applied. they said yes it does. then halfway through the first year, they just all of a sudden took the discount off. when i called, they said wireless broadband accounts does not qualify for corporate discounts. i felt i got cheated by their store by telling my corporate discount applies just to get me to sign up for a contract and then after a while, pull the rug right from under me.
i just hate the fact that the TL just looks uglier now showing 2 yrs of FPs compared to just showing 9 months before. oh well...i guess i'll just keep letting those GW letter roll out every couple of weeks or so. i got four years to pester them (TL falls off 2015)d. hopefully between now and then, they'll finally get sick and tired of me and just agree to get rid of me 
@TravellingNomad wrote:thanks for replying llecs and p-. the account i had was for verizon wireless. i had a subscription for their wireless broadband. the only reason i told them to eat rocks at that time was because in the middle of my contract, they decided to drop my corporate discount, saying that they did not offer that when it came to wireless broadband accounts. before i opened the account, i specifically asked their rep at the corporate store i went to if my corporate discount applied. they said yes it does. then halfway through the first year, they just all of a sudden took the discount off. when i called, they said wireless broadband accounts does not qualify for corporate discounts. i felt i got cheated by their store by telling my corporate discount applies just to get me to sign up for a contract and then after a while, pull the rug right from under me.
i just hate the fact that the TL just looks uglier now showing 2 yrs of FPs compared to just showing 9 months before. oh well...i guess i'll just keep letting those GW letter roll out every couple of weeks or so. i got four years to pester them (TL falls off 2015)d. hopefully between now and then, they'll finally get sick and tired of me and just agree to get rid of me
Yeah, I had a similar call today with their home phone credit reporting department (in my journal) bad enough to make me get all wound up. I am continuing to pursue the executive contact angle. Hopefully polite persistence will win the day. If not, then legal action is the next step.
@p- wrote:Yeah, I had a similar call today with their home phone credit reporting department (in my journal) bad enough to make me get all wound up. I am continuing to pursue the executive contact angle. Hopefully polite persistence will win the day. If not, then legal action is the next step.
you know i just got a call from a rep from their executive HQ. around lunch time today, i sent out a GW deletion email to 3 of their Presidents including the President/CEO of the company. i got an email reply regarding sending them my contact info and account number so they can have a rep look at it and contact me back. and while i was sending my reply, my phone was ringing and it was the executive HQ rep. i thought "wow...talk about first call resolution!" i haven't even sent the email yet and they are already calling me. then i remembered, on two of the emails, i indicated my call back number the email i sent to the CEO was the one that did not have my contact info and was the one that replied asking for it.
but anyways...although the rep i spoke with was very nice, unfortunately, he said that since the info on the debt was correct, he is unable to delete it from my credit report. again i asked him why it is now showing on my EX TL that i have a FP history record of 2 years and yesterday, it was showing only 9 months. he stated that since the debt was sold off to a CA, they cannot report activity anymore from the time they stopped owning the debt (meaning the lady i spoke with early lied). but he said that to contact EX to find out why it is now showing 2 years of FP. so i guess i'll be contacting EX regarding the FP records.
@Anonymous wrote:I am currently fighting my Verizon Bill. I called them before I moved out to confirm that I do not have an outstanding bill. They told me I did not owe them any money. This was in Sept. 2011. I just checked my credit report on all the bureaus and Equafax has a ding for me from an unpaid Verizon account that is 120 days late. I never received a bill and confirmed that I did not have any outstanding bills. Who can I contact at Verizon to help me with this. I called customer support 4 separate days. Each day I got transferred back and forth from department to department. No one was able to clearly tell me what this bill was for. One person says it is for home phone, another says, long distance(I never had long distance service), and yet another said High Speed Internet, which I never had.
Thank you.
Call customer relations line. google the number.
I also talked to VZ landline ppl today -- was transferred 6-7 times and it lasted for almost 2 hours and still nothing is resolved. So i asked for customer relations line. The woman said that they dont have one- -- LIES. I got off the phone with her and googled. I called customer relations and the woman there said that the reps are not allowed to tell u about customer relations line, etc. She said that calling this line is like calling the executive office and its comparable to calling a Board of Directors or the Trade Commission, etc ; especially since each department gets billed for every issue resolved with this line because they are supposed to be able to help you.
And there was no "HOLD" for this line-- right to a person after pressing "3" for unresolved issues.
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012