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babydolldee01

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credit collections
I have a verizon bill from 4 years ago that i believe I paid the collection agency years ago. This debt has magically reappeared on my credit report this year. What can I do. My credit score dropped considerably.

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You can write to all three credit bureaus and tell them this account has been paid.  If you have proof it was paid, send that with your dispute.  It may take a few rounds, but just keep at it.  Best of luck!

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