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  1. #1

    Default Fresh Verizon Wireless Collection

    My question involves collection proceedings in the State of: KS

    Have not needed credit for 15yrs. Of course, just as I am considering moving I find that Verizon placed a collection in my credit bureaus! I knew nothing about it and now trying to even verify the debt, but I suspect they will find some way to validate the amount. Only $80. I have talked with both Verizon and their collection agency. Of course they are happy to take my money but I know better than to pay them a dime right now as it will do nothing to fix my credit. I was around an 800 credit score! It blows my mind that they can so easily ruin someone over $80 and lenders will act like this is a HUGE deal, even though they can see my many years of PERFECT history.

    Verizon said they would be happy to place "paid" in my credit history...... I have already asked about deletion and they claim they "can't due to federal rules".

    Are there any legal steps to take to persuade them to remove this? I am willing to even pay a fee but I have NOT admitted wrong doing here! I did a little poking around online and appears Verizon specializes in screwing people with collections. One for only $13, and they don't send much to collect a debt, they just hammer people's credit! I have never dealt with such a company and I pay my bills!

    I would like to know what court would have jurisdiction in this matter? I read about "credit repair" companies but fail to see what leverage they would have over me.

  2. #2
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    Default Re: Fresh Verizon Wireless Collection

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    just as I am considering moving I find that Verizon placed a collection in my credit bureaus!
    Please explain exactly what this means. Absent explanation to the contrary, I'll assume it means that Verizon made a report to one or more of the credit reporting agencies that you owe it some amount of money.


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    I know better than to pay them a dime right now as it will do nothing to fix my credit.
    That's absurd.


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    I was around an 800 credit score!
    As of when? What is your current credit score?


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    It blows my mind that they can so easily ruin someone over $80 and lenders will act like this is a HUGE deal, even though they can see my many years of PERFECT history.
    Not entirely sure who "they" are (you seem to be using "they" to refer to different persons/entities or groups of persons/entities). Also, the notion that a single unpaid debt of $80 could "ruin someone" is absurd.


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    Are there any legal steps to take to persuade them to remove this?
    If the debt is owed, no.


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    I would like to know what court would have jurisdiction in this matter?
    You haven't articulated any valid legal claim. You haven't asserted that the debt is not valid. In any event, you'd spend upwards of 100-200x the amount of the debt to sue, and you'd have no guarantee of succeeding. If you pay the $80, any negative impact it had on your credit will be gone in relatively short order. The bigger harm to your credit came from 15 years of "not need[ing] [and presumably not using] credit."

  3. #3
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    Default Re: Fresh Verizon Wireless Collection

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    I was around an 800 credit score!
    People who don't use credit at all for 15 years don't have a perfect credit score. Why? Because there is no record there of using credit and paying it back on time.

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    It blows my mind that they can so easily ruin someone over $80 and lenders will act like this is a HUGE deal, even though they can see my many years of PERFECT history.
    That one small debt doesn't "ruin" your credit, though it does lower your score. And as pointed out before, after 15 years of no credit use they won't see many years of "perfect history". What they see is years of not using credit, and that is not the same thing.

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    Are there any legal steps to take to persuade them to remove this?
    If the report to the credit bureau is accurate then there is nothing that a court or any government agency can do for you that will get it removed. If the credit report is not accurate and the creditor will not remove it, that may violate the federal Fair Credit Reporting Act (FCRA). you may complain about that to the Federal Trade Commission (FTC) and you may sue for FCRA violations in either federal district court or Kansas district court

    If you pay the bill, then once the credit report shows it is paid your credit will immediately improve. There won't be a very long lasting impact from this.

  4. #4

    Default Re: Fresh Verizon Wireless Collection

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    You haven't articulated any valid legal claim. You haven't asserted that the debt is not valid. In any event, you'd spend upwards of 100-200x the amount of the debt to sue, and you'd have no guarantee of succeeding. If you pay the $80, any negative impact it had on your credit will be gone in relatively short order. The bigger harm to your credit came from 15 years of "not need[ing] [and presumably not using] credit."
    I haven't read anything yet that supports this claim. Even on a fico forum, they indicate this will just be a paid collection that will hold the "all knowing" credit score down in "worthless" territory.

    When I said "not needing credit", I mean no NEW credit. I easily have over 20yrs of flawless credit history that no longer matters, including a mortgage that has been paid like clock work. Yes, I have all the files pulled and probably 10 accounts, all with perfect repayment schedules. However, I already know, and have been told by lenders, that score means I now won't qualify for for dick, and will be put in the "repo/bankrupcy" group. At this point, I am seriously considering filing for bankruptcy because I don't see any point in trying to carry perfect credit, only to be ruined by a simple issue.

    Yes, Verizon has already said they will report for the next 7yrs.

    Yes, I am pissed. I think anyone in my shoes would be. And bringing it to this forum to be shredded by attorneys was not the best idea to find help.

  5. #5
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    Default Re: Fresh Verizon Wireless Collection

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    I haven't read anything yet that supports this claim. Even on a fico forum, they indicate this will just be a paid collection that will hold the "all knowing" credit score down in "worthless" territory.

    When I said "not needing credit", I mean no NEW credit. I easily have over 20yrs of flawless credit history that no longer matters, including a mortgage that has been paid like clock work. Yes, I have all the files pulled and probably 10 accounts, all with perfect repayment schedules. However, I already know, and have been told by lenders, that score means I now won't qualify for for dick, and will be put in the "repo/bankrupcy" group. At this point, I am seriously considering filing for bankruptcy because I don't see any point in trying to carry perfect credit, only to be ruined by a simple issue.

    Yes, Verizon has already said they will report for the next 7yrs.

    Yes, I am pissed. I think anyone in my shoes would be. And bringing it to this forum to be shredded by attorneys was not the best idea to find help.
    Don't get so discouraged by this event or the responses you get from this forum. These guys love to tell people they are screwed. They get some kind of kick out of it.

    The last I checked I had an 843 credit score, yet I had a few blemishes a few years back. I co-signed on a snowmobile that was not paid off and I was unknowingly on my ex-wife's credit card that she missed a few payments on) Don't sweat it and definitely do not go bankrupt or stiff anyone. It will pass. Also, anyone that matters will be able to see that is was an insignificant unpaid debt.

    Chin up and dust yourself off.

  6. #6
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    Default Re: Fresh Verizon Wireless Collection

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    I haven't read anything yet that supports this claim. Even on a fico forum, they indicate this will just be a paid collection that will hold the "all knowing" credit score down in "worthless" territory.
    I assume "they" are anonymous strangers on the internet -- just as I am -- so I guess you can decide which anonymous strangers to believe. However, I submit that the notion that paying a debt won't improve your credit score is logically absurd.


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    Yes, Verizon has already said they will report for the next 7yrs.
    It's comments like this that indicate you have a very poor grasp of how the credit reporting system works. Verizon reported the debt. That was a singular act that occurred at a particular time in the past. Verizon will do nothing else in terms of reporting unless you pay the debt (in which case, Verizon will report it as paid). The seven year period refers to how long the entry will remain on your credit reports.


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    Yes, I am pissed. I think anyone in my shoes would be.
    You can think whatever you like, but I think any rational person would view this as not a big deal and understand that an $80 debt isn't going to cause a big or lasting impact. By the way, I find it telling that you ignored my questions about when your credit score was 800 (which, by the way, is not a "perfect" score) and what it is now.


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    And bringing it to this forum to be shredded by attorneys was not the best idea to find help.
    You obviously came here with a particular mindset and weren't going to be receptive to anything anyone told you to the contrary. That's unfortunate. Also, no one "shredded" you.

  7. #7
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    Default Re: Fresh Verizon Wireless Collection

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    At this point, I am seriously considering filing for bankruptcy because I don't see any point in trying to carry perfect credit, only to be ruined by a simple issue.
    Why do you think you'd be eligible to file bankruptcy over this? Seriously, this is a LOT of pearl-clutching over such a small issue. Pay your debt and sin no more.

  8. #8
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    Default Re: Fresh Verizon Wireless Collection

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    When I said "not needing credit", I mean no NEW credit. I easily have over 20yrs of flawless credit history that no longer matters, including a mortgage that has been paid like clock work. Yes, I have all the files pulled and probably 10 accounts, all with perfect repayment schedules. However, I already know, and have been told by lenders, that score means I now won't qualify for for dick, and will be put in the "repo/bankrupcy" group.
    Seriously, this one very small debt would not be enough to completely tank your credit score. I didn't hear the conversations you had with those lenders, but I'd not put stock in what they said unless you actually applied for loans with them and they rejected you just over this one issue. Years of good credit history do NOT get completely wiped out by one small debt item like this. Anyone telling you it does either does not understand how credit works or is trying to scare you. Moreover, if you did pay this off, whatever small ding was done to your credit would repair quickly.

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    At this point, I am seriously considering filing for bankruptcy because I don't see any point in trying to carry perfect credit, only to be ruined by a simple issue.
    That would truly do far more damage to your credit report and score than this $80 debt. Moreover, that would cost you far more than simply paying off Verizon's claim. Just the filing fee alone would cost you $350. This would be a very poor way to react to this.

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    Yes, I am pissed. I think anyone in my shoes would be. And bringing it to this forum to be shredded by attorneys was not the best idea to find help.
    I understand being mad at Verizon. But on the other hand, you are making this out to be a lot bigger than it really is. Given what you say of your credit history, you won't be denied most, if any, loans over this one item. Moreover, with most lenders you'd still get good rates. You'd still be a great credit risk. Even more so if the credit report shows it paid, which would be a simple solution to your problem. You could then sue Verizon for the money back if you think you didn't really owe it. You also have the option to have a note attached to your credit report that you dispute the debt. Either of those options would certainly be better than filing for bankruptcy. I think you have worked yourself up more than you need to be over this. Try to step back a bit and chill. It isn't as bad as you are making it out to be.

    And by the way, most of the people responding here are not lawyers.

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