I am in the process of getting a home mortgage to purchase my first home when I have discovered that on my credit report, Verizon has listed a Charge Off on my report which is now preventing me from obtaining my mortgage. The account was paid in full in going in 3 years now as soon as I was aware that it was in behind status.

As Verizon has been paid for going on 3 years the full amount that was owed, there is no more incentive to continue reporting the Charge Off on my records and I am asking that Verizon remove the charge off as this is not in violation of the FCRA.