I recently went through a separation and was no longer living in my home. During that time she cancelled our Verizon account. This was mid-late 2015. I was unaware of any owed balance until it hit my credit report on 4/4/2016. I paid in full on 4/5/2016. They refused my offer of pay for delete. I have since resolved the separation and moved back into the home, and was in the middle of a refinance of my mortgage. Since my credit score dropped 100 points, I am not able to complete the refi. I called and spoke with a "supervisor" after the debt was paid in full, to see if they would delete. No luck. I have sent goodwill letters to executives, including the president, VP of operations and regional VP of the southeast. A rep from their executive relations team called and told me they would not remove the TL.
At this point I'm desperate. Is there any way to get this removed from my CR? I think I remember signing something stating I wouldn't arbitrate when we got the phones, but I will have to find that paperwork. Would arbitration work, or a dispute with the BBB?