Hi, in february of 2008, i purchased wireless hispeed. I was told i could return in 30 days for a full refund. About 20 days later i ended up moving to another residence and decided to cancel my internet with verizon. I was given all my money back and told that my account had been cancelled. About a year later i received a letter from a collections agency at my new address stating i owed 40.00 for my month of service (which was a free trial?) I paid the 40.00 anyways. NOW, just a few days ago, i went to apply for a VA home loan and was turned down because i have a "charge off, sent to collections" from verizon on my credit report. I am unsure how they can do this when it was a trial and i received a FULL REFUND for the router and service i had to purchase. I have reported this to BBB, the credit bureaus, and they all say that its a legitimate charge ? All i want is verizon to change my credit report to simply state "account closed", instead of "charge off, reported to collections". Is this possible, or is there anything else i can try doing ? Thanks for any replies