A representative from Verizon came to my home and presented a high-speed internet service. They installed a new router near my house, as I was in search of improved internet connectivity. Unfortunately, the service turned out to be slow and not as promised. I was informed that I could return the router to a Verizon store, which I did, and they assured me that I would not have to pay anything. However, a month later, I received a bill for $140. Believing it to be a mistake, I chose to disregard it. A few months later, I learned that this issue had been reported to all three credit bureaus, causing my credit score to drop by 130 points. This drop occurred while I was in the underwriting phase of securing a mortgage for my new home, leaving me uncertain about the status of my loan application. I find myself in a challenging situation and require assistance.
