I had never heard of IDT Telecom - they don't even function in VA - I've had all phone arrangements with Verizon. But when I was refinancing, there was a Derogatory Account listing with Experian saying the an account with IDT opened in 11/08 had a $106 bill reported on 12/08 and that it had gone to a collection agency. I never received any bill from them nor any correspondence from a collection agency. My mortgage agent said not to challenge it at that point because it would only foul up the proceedings on getting my new mortgage... read full review »