how to fix husband bad credit report

[joe'swifey 1]

Hello everyone, good day to anybody that is reading this post... i am concerned with my husband credit report . heres the history about year 2006 my husband got a cellphone from verizon with 2 years contract well the 1st bill came and it was almost 2000$ . We were shocked to say the least how can he used that much time and data so we called the 800 number and talk to a person but they never do anything about it the next bill came and it was 1000$ again and were positively sure he didnt used that much time and text again so we called again nothin happened so eventually they turned off hes line cause we never paid for 2 months Why pay the bill when we knew its all wrong... then after few months we got calls from this agency ( recovery agency?) but were almost never home and wasnt able to talk to any of them anways we send them a dispute letter they send us the bills item by item like my husband text for a period of 2 minutes he texted as there records 10 times how can a person recieved and text that mush in 2 minutes? and much theres just too much error iin the records they gave us and we call them back again nothing happened again.. last week we wanted to get a used car.. and lo and behold my husbands credit is not good and there no surprise! the verizon bills is the one causing hes bad credit report its been 15 months or so since this happend now i wonder how to repair all this #######( excuse my language im p--off with verizon) that verizon cause us.....

thank you everyone for reading and to those that will have their thoughts shared to me its gonna help us getting a new car..

waiting for reply .....

[MichelleN 0]

First off, avoid any company that claims to 'repair' your credit. They're all scams. Secondly, there's nothing you can do until you get the bill cleared up. Do you have the phone bills from that time to see where all those charges are coming from? Since it sounds like this wasn't a case of mistaken identity, then you can't really contest the entry on his credit reports. At this point your only recourse is to pay the bill to get it to show as a paid collection. Still a big ding on his report but not as bad as an unpaid collection.

[Teacher Mark 53]

Here's a legitimate guide for repairing credit.

http://www.credit.com/life_stages/buying_h...edit-Report.jsp

You could try to settle the charge. You may be able to get them to accept .50 on the dollar, but make sure and get everything in writing before you pay them.

[desert_fox 32]

I know a good way.;..pay you bill with Verizon.

He received an itemized statement...he should know why he was charged 2 grand.

[Niels Bohr 72]

Fixing requires repayment. If the collection agency offers a settlement to clear your history, then accept it.

Everyone's advice is good. Follow them. Soon, your husband will be okay.

[DEDixon 39]

It sounds like your husband ignored the bill, ignored dealing with it and now that it is an issue.... ooops! If the charges really were not his, they would have listened if he had followed up on the matter. This doesn't seem like a time to be p'd off at Verizon, but instead p'd off at your husband for ignoring the issue (sorry, but unless there is more to your story, this is the read on the story).

Someone needs to start talking to the collection service. They will take less than the original amount billed, however the tricky part is getting the credit report to reflect pay off. This won't happen over night so be prepared for a journey other than a visa journey. Like someone else said, be sure to get the renegotiated settlement in writing, do not pay anything based on a verbal promise over the phone. There might be 2 dings against the credit report, 1 from the collection agency and another from Verizon so be sure the renegotiated settlement covers both dings.

[joe'swifey 1]

thanks everyone for the reply... and i hope everybody will have a Happy week-end ... Life is still good.. good... good...

Mabuhay !!!