Hi can anyone help me? I have two Verizon collections on my account. One is paid off and the other is saying that I owe. The one that is paid off was paid in a timely manner as soon as I was made aware of it. I asked the customer service agent if it would affect my credit and she told me no which was a lie. If I was made aware of the bill, I would not have let it go unpaid for so long. I never received the bills or notifications that this bill was late. The other is the same. When I closed the account I was informed that everything was paid in full and I returned all equipment both times. I worked really hard to have my credit clean and this is seriously affecting me. I have disputed and yet it remains. I don't know what to do. I will gladly pay the full amount of the second one in full for a delete even though I do not believe I owe this money. Any advice would be helpful.