Does anyone have any experience disputing something on a credit report? When we moved back in July 2015, we disconnected service with Verizon who doesnt have coverage where we moved to. 2 months later I was still being billed. I called and got the run around. I finally talked to someone who said they bill 2-3 months after disconnection and then refund the money later. That's one of the stupidest thing Ive ever heard of and even sounds illegal. I told them I would no longer allow them to charge my credit card for services I wasnt using and stopped the direct billing to my card.
A while later I got a collection notice and a refund check in the mail literally the same day. I called Verizon and the collection agency and told them the story and everyone agreed I didnt owe any money and that I should cash the refund check and pay the bill. It was the same amount so I did it.
Now the account shows closed and settle but it is showing on my credit report as a negative note or whatever they call it and my score dropped from 800 to 670. Over this stupid $86 billing error on their part.
Ive gone to all 3 credit bureaus and disputed the incident but was interested to hear from people who have experience with disputes. I guess next time I should just keep paying for services I havent used for 2-3 months?
A while later I got a collection notice and a refund check in the mail literally the same day. I called Verizon and the collection agency and told them the story and everyone agreed I didnt owe any money and that I should cash the refund check and pay the bill. It was the same amount so I did it.
Now the account shows closed and settle but it is showing on my credit report as a negative note or whatever they call it and my score dropped from 800 to 670. Over this stupid $86 billing error on their part.
Ive gone to all 3 credit bureaus and disputed the incident but was interested to hear from people who have experience with disputes. I guess next time I should just keep paying for services I havent used for 2-3 months?