verizon collecton accnt paid in full

Paid to Verizon or the CA?

I cleaned up my credit report a LOT by disputing my paid collections, it was easy to do and other than one, they all were removed the first dispute.

give it a shot, it never hurts to try.

It was paid to verizon.

:smo65d11

How did you get all the collections removed?

smo65d11

Is there any sample letters available for removing the collections.

I used a combination of the letters that I found under "sample letters" (look under "useful links" to the right) as well as some suggested letters that other members here posted. I tweaked them to suit my taste to make them sound a bit more natural.

What I did was write and send in the regular mail a goodwill letter. Then 3 weeks later I disputed the item(s) on my credit reports. As I said, except for one, they all came off. It was relatively easy and only took a bit of time to do it.

I had paid all of my debts in full a year or so prior, there were no settlements made, so maybe that was one reason it was so easy?

date

creditor

(specific person or to whom it may concern)

I am writing to you today regarding my __________ account #____________. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.

(give personal reason to explain why you did not pay the bill.)

I provide this information not to justify why the account was unpaid, but rather to show that the issue with your company is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this blemish from my credit reports.

I know that payment was my responsibility and I am not attempting to justify my actions, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

I would like to STRESS that the information currently being reported IS accurate, (I am not disputing anything with your company). I am simply asking you for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your companies normal policy.

Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that your company will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Best Regards

signed,
me!

smo65d11

thanks for the letter and advise

smo65d11

thanks for the letter and advise

Sorry forgot to log in.

good luck, all I can say is that the letter seemed to work for me! let us know how it goes for you.

The letter didn't work for me with Verizon regarding an old landline phone bill that I paid back in 2008. They still won't remove it and its killing me.

Verizon is the worst company to deal with when it comes to credit reporting. I had a wireless phone that I legally voided the contract with and they reduced my balance to $0, but refuse to take the negative remarks off.