Removing Debt from Credit Report

The number for this address is 877-214-9134. I was having the same problem. I never had phone service in my name at any time, but it appeared on my credit report that that I owed money from 9/2010 to 3/2011 in the amount of $439.

I was informed by a representative from that number that the account was reported by name association, not by social security number. That sucks because it lowers our credit scores like that. She gave me her fax number which is 888-672-2876, and asked me to fax my identification and ss# to them, and they will have the information removed.

I have asked them to send me a letter stating that they will have it removed from my credit report. When they send the letter, I will give them the validation they request. Until then, I have contacted verizon fraud division to investigate. I hope this helps.

To clarify some of the misinformation being presented in this thread....

There is no limitation on how long information may be reported to your credit file. Accurate information can be reported forever. The time periods for credit report exclusion set forth in FCRA 605(a) do NOT place limitations on creditors or debt collectors, those limitations are solely on the CRAs, and relate to when they must "block" adverse information from further inclusion in any credit report they normally issue after those dates. Thje "reporting periods" referred to in section 605(a) refer to the reporting of information by a CRA in one's CR, and not on reporting of information to a CRA.

Nothing is deleted from a consumer's credit file after those dates. So requests for deletion of information from one's credit file based on expiration of a CR exclusion period are not appropriate. There is no requirement that the party who reported negative information must delete that information after expiration of the credit report exclusion dates. Continued appearance of adverse information in a consumer's credit file after expiration of its statutory exclusion date is not the fault of the reporter of the information, and is not their obligation to correct. Continued inclusion of those items of information in a consumer's credit report after those dates is the responsibililty of the CRA, and are addressed by complaint to the CRA for THEIR violation of FCRA 605(a).

The CR exlusion dates set forth under the various provisions of section 605(a) are not even absolute, further making the point that they dont relate to deletion of information. Under the limited circumstances set forth in section 605(b), for example, they can still be included in your CR after the normal exclusion dates of section 605(a), albiet under very limited circumstances. The information is essentially "blocked" from access, but is not deleted.

As for expiration of the CR exclusion date, many dates have been referred to, some of which are inaccurate. Your DOFD is ONLY relevevant to the date of exclusion of charge-offs and collections, which is 7 years plus 180 days from the DOFD on the OC account. FCRA 605(a)(4) and 605(c). Your DOFD has absolutely no relevance to the date of exclusion of other delinquencies, such as monthly delinquencies on an OC account. Those each are excluded separately after 7 years from their individual date of occurance. The date of exclusion of a collection is controlled ONLY by the DOFD on the OC account, and is not based on any dates of activity reported by a debt collector.

The answer is oldest date of last activity which the account fell behind and was never brought current or date of last activity whichever is more recent.

5 Ways to Improve Your Credit Score

Not everyone is financially savvy, but everyone should know some basic tips about financial basics, such as budgeting, credit scores, and investment options. If you are among the many who feel the need to improve your financial situation, you need to start by learning some basic terminology that will help you to be financially sound.
Before giving you a loan or a line of credit, a financial company will research your credit history to determine your credit-worthiness, in order to minimize the risk of default. Because of this, your credit score is your most valuable asset as a consumer. Here is how you can improve it:

1. Opt out- Repairing your credit report is like hanging wallpaper; you either do it yourself or call for a professional. If you are ready to do a bit of hard work to save your bucks from being spent on a professional, your initial move should be applying for credit reports. Once you have your report with you, review every detail of it and highlight any errors. It is not uncommon for a credit report to contain errors regarding billing, loans, etc. But if you don’t correct the info, then nobody will. Contact the credit reporting agency to discuss any disputes. Opt out of applying for further loans or credit cards. This will ensure that you’re not looking for any money.

2. Pay utility bills on time- This will help you to improve your score. A good score that can get you a loan is something above 550. If your score is above 650 then you’re in excellent financial health. You can bargain with your lender on the interest rate. A score below 550 will need improvement and this can help to open the credit world to you.

3. Dispute errors and entries- Since the volume of credit reports are piled up in the offices of the credit report agencies, errors are likely to occur. So go online and check your report with all the three top agencies like Equifax, Experian and Transunion. FICO credit score is very popular in America.

4. Get a secured credit card- This can help you to improve your credit score. To get a secured credit card you’ll need to save some money and make a deposit with your lender. You can avail 80% of your deposit as credit. Once you pay monthly for your card it’ll help you to improve your score.

5. Get car title loan- If your car is debt free and has a clear title take acartitleloan to pay off your debts. This will help to improve your score substantially. Once this is done you can get a credit card and then pay back your car title loan. The interest may be higher than the usual loans but it can help you to boost your credit score. This is an excellent option for those who are starting with poor credit, because title loans are one of the few types of reputable loans that use a asset (car title) as the collateral instead of relying on credit ratings. After paying back a car title loan, you can then use the lender as a credit reference, and your credit score will improve significantly.

With a little bit of hard work and ingenuity, you’ll have a better credit score in no time.

I don't agree with this at all. It sounds good, but not accurate, in my opinion.

I've monitored my credit reports in great detail for several years, and as far back as 20 years ago (though less frequently then), and I have NEVER seen any utility company report on me to a credit agency. And I've moved around a lot, so there's been a lot of different utilities companies in my history. Now I wouldn't suggest not paying them on time, and maybe that would spur some negative reporting, I'm not sure (I've always paid them on time that I know of). But simply just paying them on time does NOT affect your credit score because they aren't reporting to the credit agencies about you. And if they were reporting you'd see it on the credit report, because CRA's are required to show you what is being reported about you.

And secondly, there are a number of different credit scores, but in terms of FICO which is what most people are refering to, a score of 650 is NOT excellent financial health. In fact it's well below average. It certainly doesn't put you in a position to bargain with a creditor on the interest rate. But you should be able to get credit with this score, at an above average interest rate.

Generally it can stay on your credit report till 7 years from the date of delinquency. Still you can get the updated results of your debts in your creditreport simply by requesting a credit report from deleted It will give you the exact detail of your credit history.

Ask your deleted from the free deleted company!

shill for a ripoff elsewhere.the links were deleted because if you want traffic to the site featuring the idiot garage band.go to another site.btw your info is wrong.it's 7.5 yrs from the first deliquency.so the truth is the only site that gives one free credit report per year is www.annualcreditreport.com that's it.

You should check your credit reports and find out the reasons behind your low score. Though 650 score is not so bad, but it can prevent you from taking out loan at good rates. Even if there has been any negative items in your reports, you can add positive items. Doing so, your score can get increased to some extent.