need major advice,

it's not that a double thread its just that i believe i posted on the wrong thread. please advice me how should go about this issue that i have.

hi ,
i am new to forum, i really wish i would have known about this before!! i have made some major mistakes by paying off some collections and 2 charge off, which have been paid to verizon, and here is where my question comes , i have disputed the verizon accounts as not mine and have come back verified, i sent an email via planetfback, i got a call from exc office and they told me that they are reported correct and they can not delete, and they said they could report it every month as a bad/debt collection, so i thought after it was paid they can not keep on reporting late, since the date of paid off which was back on 04/05 and its 06/06 and still comes up like that. is that legal? also it's paid charge off written off.i thought they can not write some thing off if its been paid, doesn't that mean they claimed some sort of insurance. this all confusing i don't know if to send a nutcase or a validation, this was paid directly to verizon wireless no ca. or do i demand proof from the cra??? i also have some lates back from 2004 2x60 4 x30 on old mortgage on a house i sold , 2x30 on american honda and ford credit back in 2004. what the best way to handle that? i also have an issue with my wifes student loans some have transferred back in 2000 from nelnet t0 usa group and i have disputed them and they come back verified, but they show last activity in 2001 , what should i do. i would really appreciate your help!!! also shes aout 8 student loans only 2 have not been paid , but i wonder if i pay them off would they delete them.??? please help really confused.i read on equifax that we are suppose to be notified when adverse information is going to be placed on the credit report is that true.

 

thanks for the heads up. i just received a letter 06/30/06 from verizon stating that per are conversation that we had settle are debt and they would updated the my credit profile , to report charge paid off. but that nothing we talked about i received a prior letter a year ago stating that the account was a zero balance and that i didn;t owe anything, so know they are basicly double dipping me, because that has been paid off over 1 1/2 ago. how they now tell me that we settle now. i have proof from when i payed them off over a year and half ago. mind you the letter i got now is from the ceo office of verizon, and the prior letter came from the customer services department, stating that i don't owe anything. can they do this?? i had sent the prior letter equifax and they came back saying verified, so now i am more confused. i had sent a request thru planet fback , and they came back with the recent letter i just got, all i told them was i wanted the account deleted from credit file since it was paid or to report it paid in full and not paid charge off. can some body please help me thanks, what i dont get if they got there money why cant they just delete it. thanks!!!!!

 

i paid it directly to verizon, and i paid it back over a year ago i had two accounts with them and both paid at the same time . i haven't paid them any more because at the time i paid the full amounts on both accounts. over year ago. when i received the first letter from them stating that i had 0 balances it was because i had paid them off. that was back 04/05. and now that i requested to them to remove the account information of the cra, since they where reporting it as paid charge off as of 05/05 on both accounts, being that was as bad as me not paying them. and now i get a letter stating that we just recently settled which is totaly false and they needed 60 days to updated the cra to paid charge off.which does not help me. i also noticed that on my trade lines they are reporting me as a bad debt every month on every three cra. i thought since i paid back in 04/05 they cant keep reporting me as bad /debt, since i paid them . and especialy say written off for the amounts i paid. what should i do. mind you i wrote to them through planet f back, which was not really any help.what do you suggest. the accounts were never given to a ca everything was done thru the oc. i appreciate all your help. i only paid once on each account both at the same time.

 

please help, need advice on which is the best way to get rid of verizon! also how can i get rid of three 30 days lats on car loans two different banks 1 honda and two ford credit. really appreciate some help.