Deperate! So many years later, now this resurfaces?

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Sub: Deperate! So many years later, now this resurfaces?

Fri, 09/21/2012 - 20:55

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.

Please help!

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OhioGal1

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Sub: #1 You need to dispute this trade line with the credit bureau. If Wed, 09/12/2012 - 09:24

You need to dispute this trade line with the credit bureau. If

You need to dispute this trade line with the credit bureau. If your date of last payment was in 2001, this should've fallen off your report 7 1/2 years after that date. The "date closed 2012" is BS. It's likely a collector trying to reage the account. Dispute it.

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Sub: #2 Thank you for your help. Im much calmer now then I was this morWed, 09/12/2012 - 13:13

Thank you for your help. Im much calmer now then I was this mor

Thank you for your help. Im much calmer now then I was this morning. I came so far and to find out my score dropped 100 points was devasting.

dISPUTE IT with the credit report agency? What do I say to them?

Unregistered

Sub: #3 Thanks to an awesome friend she hooked up a mic to my computer sThu, 09/13/2012 - 07:18

Thanks to an awesome friend she hooked up a mic to my computer s

Thanks to an awesome friend she hooked up a mic to my computer so know I can use speak text and make typing so much easier.

So I should dispute this with the credit bureaus directly. What should my letter say? I don???t want to admit it???s mine, which I am not even sure it is. I really don???t remember owing Verizon anything and I haven???t found anything in my records to suggest I do.

OhioGal1

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Sub: #4 You simply tell them that there was no activity on the account sThu, 09/13/2012 - 07:25

You simply tell them that there was no activity on the account s

You simply tell them that there was no activity on the account since 2001 and the recent entry is an attempt at reaging the account (illegally) and you want it removed.

Unregistered

Sub: #5 Thank you, OhioGirl!! :rose: Should I provide any rules/regulaFri, 09/14/2012 - 13:19

Thank you, OhioGirl!! :rose: Should I provide any rules/regula

Thank you, OhioGirl!! :rose: Should I provide any rules/regulations? I am not good at finding what is appropriate.

OhioGal1

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Sub: #6 They know the rules. Just tell them what happened.Mon, 09/17/2012 - 07:06

They know the rules. Just tell them what happened.

goldenbast
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Sub: #7 Do as OhioGal suggested. The bottom line is that as far as you Fri, 09/21/2012 - 20:55

Do as OhioGal suggested. The bottom line is that as far as you

Do as OhioGal suggested. The bottom line is that as far as you can tell, this is a totally inaccurate account that looks to be reporting illegally. In your letter state that you dispute the account because you do not owe verison any monies and also point out that it is past reporting age as the last payment is being reported as 11 years ago and this is looking like an illegally re-aged account.

Be prepared as there is a possibility it will be verified. If this happens, then you bring the claws out. If this happens, come back and we can help you go after them.