lupoman Posted June 13, 2005 Report Share Posted June 13, 2005 MY FIRST POST ON CIC!!! OK i got a question about a verizon tradeline, i paid it off and have not done anything with the OC yet, only disputed through the CRA's and has been changed a cpl of times (i only disputed once) it reads like this on EXP-VERIZON WIRELESSCompany/Account Name: VERIZON WIRELESS Company Address/Phone: Account Number: 1708071392130XXXX Date Opened: 03/01/98Last Activity: 09/01/02Type: Open Account Rate/Status: Bad Debt; placed for collection; skipHigh Credit: N/ATerms: N/ABalance: $0Past Due: $0Most Recent Date Reported: 06/01/05Comments on Account: Consumer disputes after resolution , Paid charge offNow i see that it says type: open account . Its of course closed, and it has been verified by verizon thru the CRA. They updated the balance to 0 and changed it to paid, they later changed it again to what it reads in the comments.My questions-1. OPEN is a violation of the FACTA correct?2. i have heard that PFB has worked well for others, What should i say?3. Should i get the litigious mindset or still play nice for awile with verizon?4. Status is wrong , am i right?5. Has anyone else seen that comment before? looks like they actually did the right thing!6. Exactly how would you dispute it VETS?Thanks guys! Link to comment Share on other sites More sharing options...
Methuss Posted June 13, 2005 Report Share Posted June 13, 2005 I wouldn't worry too much about this. At best it's hitting you up for about 15 points on your score. The DoLA is nearly 3 years ago. But that's up to you...Yes, status is wrong. It should read "Paid Charge-off." Type is not wrong if this is indicating that it is an open-ended account; meaning charges and credits occur each month with no fixed re-payment amount.Utilities on credit reports suck, but they don't have a large impact on scores. Link to comment Share on other sites More sharing options...
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