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
