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Bad credit! .... Bad credit?
Xaquin
Right behind you!Registered User regular
Right behind you!Registered User regular
so I'm trying to refinance my house and I call my lender who tells me my credit has dropped from 750 (when I first got the house) to 623.
"hmm" says I, "why is that"
"apparently" she says, "Verizon took you to collections a while ago, but the report says you paid them"
"no shit" I proclaim =/
apparently, the very mention of having once (almost a year ago) been taken to collections (for the mighty sum of $53.54) is enough to ruin the hell out of your credit.
calling Verizon, they tell me that I failed to pay my last bill. "Bullshit", I exclaim for the second time in a half hour, while I proceed to pull up a bank statement showing that I did indeed pay my last bill.
"oh" they say
"umm" they say
they finally tell me that there is apparently a bill that comes -after- the final bill. That I didn't know about. (well, I knew about it when I paid it, but apparently it had sat for three months before making it to my mailbox).
they never called (despite my having a forwarding number in place for 60 days). They never e-mailed (despite having my e-mail address on file). They mailed me .... three months late. I had changed my address with Verizon and the US Postal Service, so -someone- should have known how to get a hold of me.
so, I guess my questions are twofold.
1: how bad am I fucked? It seems odd that $53.54 would fuck me so royally (especially after having not missed one payment in 6 years) (in other words never).
2: what can I do? I explained this to my mortgage lender and explained it to verizon .... I ordered my credit reports and will be explaining it to equifax, transunion, and the other one I can't remember. I'd explain it to the collection agency that I've never heard of or had any contact with, except no one (lender or verizon) can tell me who they are.
When I was eventually notified of my outstanding payment (three months late) it was by verizon, and I paid it online on the verizon site.
argh
ARGH
AARRGGGGHHHHsfdal;kgj;hntrsdfhgwtrei96oyhgfmm gchj 6eu7i
"hmm" says I, "why is that"
"apparently" she says, "Verizon took you to collections a while ago, but the report says you paid them"
"no shit" I proclaim =/
apparently, the very mention of having once (almost a year ago) been taken to collections (for the mighty sum of $53.54) is enough to ruin the hell out of your credit.
calling Verizon, they tell me that I failed to pay my last bill. "Bullshit", I exclaim for the second time in a half hour, while I proceed to pull up a bank statement showing that I did indeed pay my last bill.
"oh" they say
"umm" they say
they finally tell me that there is apparently a bill that comes -after- the final bill. That I didn't know about. (well, I knew about it when I paid it, but apparently it had sat for three months before making it to my mailbox).
they never called (despite my having a forwarding number in place for 60 days). They never e-mailed (despite having my e-mail address on file). They mailed me .... three months late. I had changed my address with Verizon and the US Postal Service, so -someone- should have known how to get a hold of me.
so, I guess my questions are twofold.
1: how bad am I fucked? It seems odd that $53.54 would fuck me so royally (especially after having not missed one payment in 6 years) (in other words never).
2: what can I do? I explained this to my mortgage lender and explained it to verizon .... I ordered my credit reports and will be explaining it to equifax, transunion, and the other one I can't remember. I'd explain it to the collection agency that I've never heard of or had any contact with, except no one (lender or verizon) can tell me who they are.
When I was eventually notified of my outstanding payment (three months late) it was by verizon, and I paid it online on the verizon site.
argh
ARGH
AARRGGGGHHHHsfdal;kgj;hntrsdfhgwtrei96oyhgfmm gchj 6eu7i
Xaquin on
0
Posts
You might consider talking to one to get an 'angry lawyer' (as my friend the lawyer likes to say) letter. I wouldn't advocate such harshness normally but jeeze thats a huge frickin drop.
Side note, you've educated me about verizon which I currently use. I hate their customer service. Why must I want in 2 lines, one to purchase a phone and another to transfer phonebooks?
Also its not necessarily the size of the debt but the fact you didnt pay it off in time. Gonna have an R9 on your bureau... bad news.
Is there anything I can do to show them (whoever) that I would have gladly paid it on time had I known about it? I mean I paid them on time and correctly for over 6 years =/ It seems like someone should have figured that "maybe he doesn't know about the -final- final bill we never told him about"
Currently painting: Slowly [flickr]
yeah, I put in calls to the three that my lender used so I'll have a nice long chat with each of them and try to figure out how boned I am.
I really don't want this stupid thing to follow me around for the rest of my days =/
I called Verizon and asked what I could do to get this off my credit.
They replied with a 7 year long digit shoved up my sphincter.
They literally told me that "keeping this (unsightly blemish) on your credit report is at our discretion and we keep them on there for 7 years."
They also told me that if I take this up with any of the three credit score companies the companies will first call verizon and they (verizon) will tell them -not- to delete it.
soooooo long short
6 years of on time and complete bill payment + 1 missed final double secret bill (that was paid the day after I actually found out it existed) = 7 years of being fucked if I try to buy a car or refinance my house.
fuck you verizon
Hound them, a lot. Escalate to management at Verizon.
I'm still going to try with the companies.
My mom is a senior manager with verizon. She told me they won't do crap. Not because they can't, but because they're assholes.
Dispute the charge. The credit companies don't exactly work in a "Well, Verizon says this, so you're out of luck..." Follow up with the dispute.
You could even try to get the bank you were going to refi through involved, they may assist in order to get your money.
thanks all