Who is Verizon Collections?
Verizon Wireless is a telecommunications company that offers wireless products and services. They are headquartered in New York, New York.
You may see them listed on your credit report as a collections account. This can happen if you have a past-due balance on your Verizon account.
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.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
Not only will they help you get Verizon collections removed, Lexington Law 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.
Get started on the path to better credit today: (800) 220-0084
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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the Verizon collections account with the three major credit bureaus and possibly get it removed from your credit report. It’s also possible that you never hear from or have to deal with Verizon collections again.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Verizon Collections to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Verizon Collections hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
When this happens, if you don’t dispute the accounts with the three credit bureaus and get them all removed, they will harm your credit score.
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!
Lexington Law can assist you in disputing Verizon collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re looking for a reputable credit repair company to help you with Verizon collections and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
