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fabion96

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collections or closed account with Verizon?
so i opened an account with Verizon when i was young and eventually left them for T-mobile. Got hit with early termination fees that i couldn't pay till last year. On my credit score and anything credit related, it shows it under closed account instead of collections but if i check the comment, "paid collection/charge" is what it shows. Now is this negatively impacting my score? and how should i go about it since it's not under collections and it won't disappear after 7 years?

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I wouldn't worry too much about this account as the comment would only be seen under manual review of your credit report. When the account becomes seven years old, dispute it on the grounds of the negative comment as that is obviously negative information even if the account itself isn't classifed as negative. If the credit bureaus give you trouble you would need to get a consumer attorney to help you with this, a letter from the attorney to the credit bureau listing the comment after seven years with an intent to sue would probably get it removed very quickly. Technically 7 years plus 180 days.

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