Short and simple.
Feb 2011 we were 3 years post BK and tried to buy a house, we had three debts show up with balances due that were iib. Two were Wells Fargo and the other was Verizon Wireless, I disputed the Wells Fargo in March with success and disputed the Verizon in August with success or so I thought.
We ended up not being able to buy a house due to the sale date of the foreclosure being 8-24-2008, thus we would have to wait until 8-24-2012. I switched jobs in June 2011 and put off buying a house until now. Yesterday I went to the local Credit Union and got pre approved again, when they pulled my credit report it showed Verizon posting a $1714 balance as of 04-2012.
Short story here:
Today I pull a triple bureau and find Equifax reporting the $1714 balance on Verizon, last reported on 04-2012. I try to start a dispute online through Equifax and have the most frustrating time trying to accomplish anything, I call and cannot speak to a fricking human at all and getting mad. Finally I find a phone number for Equifax and get a human who cannot help me at all, she then tells me I need to call CSC.
I call CSC and talk with a woman that tells me there is no way to check the previous outcome of a dispute and that I would need to file another dispute that freezes my credit for 30 days (this is a fricking joke, right?) sadly nope it is not. I choose to get this resolved and file another dispute.
I am boiling at this point and decide to call Verizon, I spoke with a very nice lady who helped me look into this. She said that VW did show a ZERO BALANCE, however it was reporting to the Bureau incorrectly. After about 10 minutes she comes back and says she updated the file to show a zero balance and submitted a new report to the bureaus which will take 3-5 days to post.
Was it really that simple? HA.
IF there is ANY company the government needs to regulate it would be these three bureaus.
Feb 2011 we were 3 years post BK and tried to buy a house, we had three debts show up with balances due that were iib. Two were Wells Fargo and the other was Verizon Wireless, I disputed the Wells Fargo in March with success and disputed the Verizon in August with success or so I thought.
We ended up not being able to buy a house due to the sale date of the foreclosure being 8-24-2008, thus we would have to wait until 8-24-2012. I switched jobs in June 2011 and put off buying a house until now. Yesterday I went to the local Credit Union and got pre approved again, when they pulled my credit report it showed Verizon posting a $1714 balance as of 04-2012.
Short story here:
Today I pull a triple bureau and find Equifax reporting the $1714 balance on Verizon, last reported on 04-2012. I try to start a dispute online through Equifax and have the most frustrating time trying to accomplish anything, I call and cannot speak to a fricking human at all and getting mad. Finally I find a phone number for Equifax and get a human who cannot help me at all, she then tells me I need to call CSC.
I call CSC and talk with a woman that tells me there is no way to check the previous outcome of a dispute and that I would need to file another dispute that freezes my credit for 30 days (this is a fricking joke, right?) sadly nope it is not. I choose to get this resolved and file another dispute.
I am boiling at this point and decide to call Verizon, I spoke with a very nice lady who helped me look into this. She said that VW did show a ZERO BALANCE, however it was reporting to the Bureau incorrectly. After about 10 minutes she comes back and says she updated the file to show a zero balance and submitted a new report to the bureaus which will take 3-5 days to post.
Was it really that simple? HA.
IF there is ANY company the government needs to regulate it would be these three bureaus.
Bankruptcy Wizard
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