I have come a long way and it many years to clean up my debts. In 2005-2006 I fell on hard finncial times. After lots of letters and lots of paymnt plans, the past two years I have been debt free and just waiting for the last of negative accounrts that I could not get removed off my credit report to drop off
I have a secured card with BOA which is approaching the one year mark when it will then be switched from secured to unsecured. I just spoke to an agent at BOA and she informed me a negative account was added to my credit report on June 1st of this year from Verizon. It would have been for a landline.
Date Opened: 05/1999
Date Closed: 06/2012
Last Payment: 05/2001
I live in NY. I do not confirm noor deny that this debt be mine; it may be or may not be. As far as I am aware, I never owed them money. I switched out of Verizon at some point and bundled my land line with my cable provider. I have no notices from Verizon on owing them money. I just went through my files from all of the ntices I was receiving when I hit hard times; I???ve kept every one. Nothing from Verizon, nor from a collection agency attempting to collect this amont. I have not received any notices in more recent times. They simply added this to my credit report with no notification to me.
The last time I checked my FICO score it was 720. Now it???s 620.
I feel defeated; I have come so far!!!! Now what??? How do I proceed? Could someoe help my draft a letter? I have a cast on my hand and it took me so long to type this.
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