I am confused> My Experian Credit Reports lists an "Item In Good Standing" as follows:
VERIZON SOUTH INC
Status: Paid in settlement.
Date Opened: 10/2004
Credit Limit: NA
Date of Status: 12/2005
Terms: 1 Months
High Balance: NA
Account closed at consumer's request
Account legally paid in full for less than full balance.
I have several probelms w/this item:
1. it's listed under the "Items in Good Standing" but then noted as legally paid in full for less than full balance. Can this hurt my score?
2. I did have Verizon DSL service for a short time two years ago (it sucked). I cancelled, paid my last bill (IN FULL), end of story. No settlement, etc. Never heard from them again. Don't have any back up info. for cancellation/payment - it was a $30 internet bill for pete's sake. :(
3. This item appears also to be from same/similar creditor as an item recently disputed as "not mine" and deleted from my report. (Verizon Virginia Inc. - it really wasn't mine)
How should I proceed? Dispute or not?