Does Verizon Report To Credit Bureaus? (All You Need To Know)

Are you thinking about getting a phone through Verizon but want to build your credit, so you’re wondering, does Verizon report to credit bureaus?

If so, continue reading to find out the answer, and I’ll have even more information to share with you since I’ve been thoroughly researching this topic!

Does Verizon Report To Credit Bureaus In 2024?

Verizon does report to credit bureaus, but only if you have a delinquent account and it goes into collections as of 2024. Verizon doesn’t report to credit bureaus if you’ve made payments on time or report regular account activity. Verizon runs a credit check when you open an account and if you’re getting a device upgrade.

Are you wondering about how often Verizon reports to credit bureaus or have additional questions? Keep reading to find out even more details about this subject!

Which Credit Bureau Does Verizon Wireless Use?

Verizon will mostly pull your credit score from Equifax to check your credit, but officially, Verizon can pull information from all three credit bureaus.

Which Credit Bureaus Does Verizon Report To?

Verizon has been known to report delinquent accounts to all three credit bureaus,including TransUnion, Equifax, and Experian, just as most other companies do.

Therefore, if your account goes into the negative and ends up in collections, you can expect that Verizon will contact all of the credit bureaus to let them know of your status.

How Long Does Verizon Stay On Your Credit Report?

Any collections from Verizon will stay on your credit report and in your history for seven years, and it doesn’t matter if you’ve paid off the debt well before that time.

For example, if you had Verizon go to collections and you paid it off within a year, that will show up on your credit report even five years from now!Does Verizon Wireless Report To Credit Bureaus?

Verizon Wireless is under Verizon and will report to credit bureaus in the same manner, which means any delinquent accounts that have been sent over to collections.

Does Verizon Fios Report To Credit Bureaus?

Verizon Fios will report to credit bureaus since it’s a part of Verizon, and Verizon as a company reports negative account balances that have been closed to each of the three credit agencies.

How Do I Find Out If Verizon Reported To Credit Bureaus?

If you want to know if Verizon has reported you to the credit bureaus, the easiest way is to get a copy of your yearly free credit report to see if any Verizon collections are on there.

How Do I Stop Verizon From Reporting To Credit Bureaus?

How Do I Stop Verizon From Reporting To Credit Bureaus?

If you want to stop Verizon from reporting to the credit bureaus, the first step to take is to always pay your account on time or make a late payment within 30 days of any balance due.

For example, you can call Verizon immediately and try to make a payment before that information has been sent to collections and reported to the credit bureaus.

How Do I Delete Verizon Collections On My Credit Report?

If you’ve found that Verizon has reported your account to collections and it’s on your credit report, you have a few options to delete it from the report.

Validate The Debt

You can ask that the company prove the debt is yours within 30 days of the initial letter of it going to collections, which is called validating the debt.

Furthermore, you may get out of it if collections can’t prove it’s your debt, but work fast because you only have 30 days to get the following information in writing:

  • Name on the account
  • Original balance owed
  • Original creditor (such as Verizon)
  • Date of last payment
  • How the company received the collection
  • What the outstanding balance is on the account

However, if you make a payment, you want to keep a copy for your records, including any reference or confirmation number, just in case.

Negotiate For Deletion

You could try to negotiate with Verizon collections to pay the debt or a portion of the debt if the debt would be erased from your credit report once it has been paid.

For example, if you owed Verizon $500, you could see if paying the company $300 would satisfy the debt in exchange for deleting the debt on your credit report.

Also, you want to have an agreement in writing before you pay if the company agrees to negotiate for deletion and keep that for your records.

However, negotiating doesn’t always work, but it is worth a shot if you want Verizon to be off your credit report.

Hire A Professional Credit Repair Agency

If Verizon reported to credit bureaus, you could contact a credit repair agency to help you when it comes to either negotiating with Verizon or trying to wipe the debt from your credit report.

To know more, you can also read our posts on Verizon Fios guide not working, why is Verizon not working, and Verizon caller ID not working.


Verizon does report to credit bureaus but will only report the terminated accounts because of non-payment, such as long-standing delinquent accounts.

Furthermore, Verizon reports this information to all three credit bureaus, and it will be on your credit report for seven years unless you can get it deleted from your report.

However, you can contact Verizon and try to pay any outstanding balance immediately if you’d like to stop the debt from going on your credit report.

Photo of author

Florence Howard

Florence Howard has been freelance writing for over a decade, and has a vocational background in retail, tech, and marketing. Outside of work, she enjoys listening to rock and metal, and playing with her dog and cat.

Leave a Comment