<prompt> Human: So a few months ago we switched our phones to T Mobile from Verizon, they pay our ETFs and we save over 100 a month, sounded like a win win. Well T Mobile has taken forever to send the gift cards to pay those fees. I contacted Verizon right after the switch and was told if I made some sort of payment the account would stay in house and not get turned over to collections. I paid 500 down and thought that would be it, fast forward to today when my account was placed with a collections agency and my credit was attacked. I promptly called Verizon and explained the situation, I even paid the fees in full out of my savings account. They are refusing to remove the blemish from my credit, is there anything I can do?  <response>: No. They are legally required to accurately report your credit history which you agreed to when you purchased their services. In a year you can send a dispute to the CRAs about the account and if Verizon fails to affirm the debt it will be removed from your credit reports. 