A bad mark on your credit report is not the end of the world. However, it can significantly impact your financial future in a negative way. Plus, the annoying buzz of your phone will not relent until you find a way to deal with a persistent debt collector.
In your case, Comcast has stamped a big red mark on your credit report. You may have an outstanding bill, be late on a payment, or had a bill “charged off.”
If you need help getting Comcast/Xfinity collections off of your credit report, then keep reading! I’ve outlined the steps you should take in order to permanently remove them from your credit report.
Contact Comcast Collections
Instead of dodging the calls and hoping the problem goes away, take the bull by the horns and contact Comcast Collections Department directly.
Let them know that you are aware of the situation and that you understand your consumer rights under the Fair Debt Collections Practices Act. Request that the company continues communications in writing from now on. Under federal law, they must comply with your request and cease the incessant calling.
Although stopping the phone calls will not remove the issue from your credit reports, it is a good place to start. Without constant calls, you can focus on removing Comcast collections from your credit report.
Comcast Collections Contact Information
1701 JFK Blvd
Philadelphia, PA 19103
Customer service phone number: (800) 934-6489
To remove Comcast collections from your credit report, the first thing you need to do is confirm that the debt is yours by writing a debt validation letter. In this letter, you will request that Comcast prove that the debt is yours.
You should act quickly. Under the law, you have 30 days from the time of their initial contact to ask for debt validation. If you miss the 30-day window, then you lose your legal protection. The company may not be willing to work with you to provide debt validation. Similarly, Comcast will have 30 days to respond with information about your debt once you have sent the letter.
Once you receive their letter, you’ll need to review the information they have provided very carefully. Look for errors of any kind. Double-check the amount due, the dates, and any typos within their response. Any problems you find could build your case to remove Comcast Collections from your credit report.
If you find any errors in their letter, then draft a letter outlining every issue you found. Within your letter, ask for all errors to be corrected as soon as possible.
In the best-case scenario, Comcast will be unable to prove that the debt is yours. If Comcast cannot prove that the debt belongs to you, then they will be forced to stop communications and remove their entry from your credit report.
What to Do if the Debt Is Yours
If you go through the debt validation process and discover that the debt is yours, then it will be more difficult to have the entry removed.
The best way to go about handling this is to contact a professional credit repair company. They have deleted millions of negative items from companies like Comcast Collections for millions of clients nationwide.
However, you can also try to negotiate a pay for delete agreement with Comcast on your own.
Negotiating a Settlement
If you want to negotiate with Comcast, then it is a good idea to give them a call. Negotiating for a settlement via snail mail is not an effective way to come to an agreement. In order to come to an agreement that works for both sides, you will likely need to go back and forth on the details of the “pay for delete agreement.”
Be cordial in this negotiation. The representative is more likely to help you if you treat them with respect and maintain a good attitude throughout the process. Angrily yelling at the representative is unlikely to help you achieve your goal of removing the entry from your credit report.
Get It in Writing
When you come to an agreement with Comcast, ask for the details in writing. Through a letter, they should outline the exact terms of the repayment and deletion of the entry on your credit report.
Ensure that the letter explains the agreement in detail and retain it for your records. You should not pay for your end of the bargain until you have the letter in hand. Otherwise, you will have no proof of the transaction and the entry may never be removed.
After you have paid for your side of the bargain, double-check that the entry was removed from your credit report. If it is not removed within 30 days, then you will need to contact Comcast again to ensure that they intend to hold up their end of the agreement. If they give you any trouble, then the written letter outlining the terms will come in handy.
Will Comcast Collections sue me?
It’s possible that Comcast (or a collection agency) will sue you when attempting to collect a debt. However, if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the debt and possibly get it removed from your credit report. It’s also quite possible that you may never hear from or have to deal with Comcast Collections again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit score.
Can Comcast Collections be removed from my credit report?
Lexington Law is a credit repair company that specializes in disputing Comcast collection accounts with the credit bureaus. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- charge offs
Get Your Collections Removed Today!
If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped plenty of people in your situation and have paralegals standing by waiting to take your call.
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