flaboy63 Posted August 7, 2007 Report Share Posted August 7, 2007 Hello all!! I would like to thank everyone for giving me hours of free learning!!Ok I paid an old verizon off in 04 How would I go about getting this off my report, or even can I?VERIZON WIRELESS # xxxxxxxxxxxxPO BOX 1850FOLSOM, CA 95630(800) 852-1922Balance: $ 0Date Updated: 11/2004High Balance: $ 136Past Due: $ 0Pay Status: >Payment after charge off/collection<Account Type: Open AccountResponsibility: Individual AccountDate Opened: 02/2002Date Closed: 03/2004Date Paid: 09/2004Loan Type: Open Account - Utility CompanyRemark: >Paid profit and loss<Estimated date that this item will be removed: 10/2010Thanks in advance Link to comment Share on other sites More sharing options...
supaugly Posted August 21, 2007 Report Share Posted August 21, 2007 I'd like to know also. I have a ton of creditors that come up as "Paid, Closed/Collection account" or "Paid, Closed/Current, was past due 120 days" but I'm pretty sure those stay on there for seven years. If I'm wrong, I'm sure someone will correct me. I'm guessing it stays on there because it is your history of credit regardless. It is coming up as paid so that creditor isn't reporting inaccurate information. I'd say you'd just have to wait it out till 10/2010 which i noticed is less than seven years. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted August 21, 2007 Report Share Posted August 21, 2007 Have you disputes, "agreed to delete on payment"? That would be my first step. Link to comment Share on other sites More sharing options...
supaugly Posted August 21, 2007 Report Share Posted August 21, 2007 Thats what I read on a sticky'd thread but what if that wasn't the agreement? If I dispute that, don't I need some sort of proof? And if i dispute the same thing for the ones that are charged off but purchased, wouldnt that not make any sense? If they charged it off, how would an agreement be made? You see what I'm getting at? Also, i've read not to dispute things over the via the internet. WoOuldnt i need proof to back up the agreement? Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted August 21, 2007 Report Share Posted August 21, 2007 Thats what I read on a sticky'd thread but what if that wasn't the agreement? If I dispute that, don't I need some sort of proof? And if i dispute the same thing for the ones that are charged off but purchased, wouldnt that not make any sense? If they charged it off, how would an agreement be made? You see what I'm getting at? Also, i've read not to dispute things over the via the internet. WoOuldnt i need proof to back up the agreement?You're putting too much thought into it. If you haven't disputed the particular TL before, you can dispute with whatever you want and they will investigate for that reason. In this case, it would be better to dispute this way so that if the DF doesn't verify it gets deleted. CRA's hate to see deletions so if you dispute as "paid" and the DF doesn't respond they MAY just update it to paid since it's still a negative. Link to comment Share on other sites More sharing options...
supaugly Posted August 21, 2007 Report Share Posted August 21, 2007 I've never disputed anything before. The only thing I've actually done with my credit report is find the amount of debt, past due, and negative things on there and pay stuff off with any balances which are now still negative because they were all from CA's and the OC's all sold the charged off accounts. I've gotten on my fiances CC's and her positive history is now buliding our positive history but I sure wish i knew to ask for a delete when I was paying these CA's off. Is there a thread on how to correctly dispute what I'm talking about? Even with the accounts that say charged off and sold to another lender? I've searched these forums and have tried to find similar scenarios. Any suggestins? Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted August 22, 2007 Report Share Posted August 22, 2007 I've never disputed anything before. The only thing I've actually done with my credit report is find the amount of debt, past due, and negative things on there and pay stuff off with any balances which are now still negative because they were all from CA's and the OC's all sold the charged off accounts. I've gotten on my fiances CC's and her positive history is now buliding our positive history but I sure wish i knew to ask for a delete when I was paying these CA's off. Is there a thread on how to correctly dispute what I'm talking about? Even with the accounts that say charged off and sold to another lender? I've searched these forums and have tried to find similar scenarios. Any suggestins?Start with the stickies at the beginning of all the subsections of this forum. There is a wealth of information you will learn. Link to comment Share on other sites More sharing options...
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