Who is Verizon Collections?
Verizon Wireless is a telecommunications company that offers wireless products and services. They are headquartered in New York, New York.
If you see Verizon Collections listed on your credit report, it’s usually because you have an unpaid balance on your Verizon Wireless account. This could be for a variety of reasons, such as unpaid monthly bills, charges for devices, or early termination fees.
They may appear on your credit report as ‘vzw collections’ or ‘verizon credit inc’.
How can I remove Verizon Collections from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Read on for guidance on how to be set free from Verizon Wireless Collections.
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Not only will they help you get Verizon collections removed, they will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Verizon Collections Contact Information
Headquarters Address:
Verizon Communications
140 W. St.
New York, NY 10007
Phone number: (800)-852-1922 or (800) 837-4966
Should I contact or pay Verizon Collections?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Verizon Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Verizon on behalf of their clients.
Will Verizon Collections sue me or garnish my wages?
Verizon Collections, like any other creditor, technically has the legal right to sue you over an unpaid debt. If they are successful in court and receive a judgment against you, they could potentially garnish your wages, or levy your bank account, depending on the laws in your state.
However, it’s important to note that the process of suing a debtor, obtaining a judgment, and then proceeding with wage garnishment or a bank levy is often time-consuming, expensive, and typically used as a last resort.
Verizon Collections Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Verizon Collections
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Verizon Collections to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Verizon Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Verizon Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Verizon Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Verizon Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Verizon collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re looking for a reputable credit repair company to help you with Verizon collections and repair your credit, consider working with Credit Saint.
They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.
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