Who is Comcast Collections?
Comcast is a telecommunications conglomerate headquartered in Philadelphia, Pennsylvania. Xfinity is the trade name of Comcast Cable Communications, LLC that offers cable television, internet, telephone, and wireless services.
You may still see Comcast listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your Comcast account was sent to a debt collector.
If you need help getting Comcast/Xfinity collections off your credit report, then keep reading! We’ve outlined the steps you should take to permanently remove them from your credit report.
How can I remove Comcast Collections from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Comcast Collections Contact Information
1701 JFK Blvd
Philadelphia, PA 19103
Customer service phone number: (800) 934-6489
Will Comcast Collections sue me or garnish my wages?
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 aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s also possible that you never hear from or have to deal with Comcast Collections Department 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.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Comcast Collections to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Comcast Collections hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.
Comcast Collections Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Comcast Collections
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Comcast Collections to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Comcast Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Comcast Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Comcast Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Debt validation is another way to remove Comcast collections from your credit report. The first thing you’ll 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 is yours, 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 most effective way to deal with Comcast Collections is to contact a professional credit repair company. They help remove millions of negative items every year from companies like Comcast Collections on behalf of their clients.
However, you can also attempt 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. 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.
Remove Comcast Collections From Your Credit Report Today!
Lexington Law is a credit repair company that can assist you in disputing Comcast collection accounts with the credit bureaus. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- charge offs
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
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