Credit Report Dispute Q & A

Q:

I have a dispute against Verizon Telephone (not wireless) that I can’t seem to get rid of. I was charged for 6 months of a bundle service from May of 2008 to Jan 2009. I though this was settled when I had a phone hearing with the public utilities people. The Problem is in a nut shell, I moved out on June first 2008. Never had Installation, and Verizon has the records that show that the installation never happen. The original bill was something like $850.00, they (Verizon) said they never received a payment.  My question was what phone co,. would continue service for 7 months without getting the first payment, to say nothing about no payment at all. They say I owe them 2 diff. bills for a total of around $350.00. I have over the past 5 years had payed off 4 car loans. I have 3 ongoing loans at present. Out of all the payments in the past 5 years I was late 60 days 1 time on 1 loan, I have been making payment on time not a day late on all the others. Still only have a score of around 600. Can you help me?

Phillp G.

A:

Hi Phillip,

When having collections on your credit report, this will drag down your credit score until resolved. My recommendation would be to get that resolved with Verizon. I am not sure if I understand completely about the continued service situation. If they show the installation never happened, then there should be no charges. I would recommend disputing this on-line at our on-line dispute section. When there is an error on a creditors part, the bureaus will verify that error and remove if the error can be verified.

Mike Clover

CreditScoreQuick.com



Comments are closed.

Disclaimer: This information has been compiled and provided by CreditScoreQuick.com as an informational service to the public. While our goal is to provide information that will help consumers to manage their credit and debt, this information should not be considered legal advice. Such advice must be specific to the various circumstances of each person's situation, and the general information provided on these pages should not be used as a substitute for the advice of competent legal counsel.