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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
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 will help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you may 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. It is important to note that 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?
The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, which can lead to multiple collections on your credit reports for the same account.
When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm 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 you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Comcast Collections does too.
Your Rights When Dealing with Comcast Collections
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. 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 on your credit report.
- 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 collection agency both orally and in writing.
- Comcast Collections cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
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 best way to go about handling this is to contact a professional credit repair company. They delete millions of negative items every year from companies like Comcast Collections for millions of clients nationwide.
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 specializes in disputing Comcast collection accounts with the credit bureaus. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- charge offs
If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
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