Unhappy!

dispute it with the carrier or with the 3 bureaus?

If you dispute it with the three bureaus they temporarily remove it
from your record and the company in question HAS to provide
documentation showing how they arrived at this information.

If they don't respond or come up with sufficient verification in 30-60
days (depending on the bureau) the entry is eliminated and that's the
end of it.

But if it IS valid, then you have the opportunity to deal with it with
them and hopefully resolve the deliquency.

I think it's weird that it's showing up on YOUR credit report. You
presumably were a minor (maybe an 18yo senior at most). Did your dad
add you to the family plan or did he get you your own plan in your own
name?

Shannyn A.,

I can't tell how much time has passed since this started.

Maybe you can search out a copy of a cancelled check in the amount of
the early termination fee.

If the payment was made via a credit card your Dad needs to contact
his credit card company to see how they might help.

Good luck. Stop back and let us know what comes of your efforts.

BillR.