Who is Sprint Collections?
Sprint was a renowned telecommunications company based in Overland Park, Kansas. It provided wireless services and was a major global Internet carrier. However, as of April 1, 2020, Sprint merged with T-Mobile, creating a larger combined network under the T-Mobile brand.
Despite the merger, you might still see “Sprint Collections” listed on your credit report, particularly if you had been a customer of Sprint before the merger. This typically occurs if you had unpaid bills or defaulted on your account with Sprint.
How can I remove Sprint Collections from my credit report?
A Sprint collection account 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.)
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In addition to collections, they can help 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.
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How Sprint Collections Hurt Your Credit
If you have one or more collections listed on your credit report, this can seriously ding your FICO score. Your payment history accounts for 35% of your credit score because lenders want to see that you have a history of paying bills on time.
Most creditors will eventually send you to collections if you don’t pay your bill. But in our experience, cell phone bills are one of the most common unpaid bills to be sent to collections. So if you recently had a Sprint phone bill sent to a collection agency, this article will show you what your next steps are.
Sprint Collections Contact Information
Sprint Collections Department
P.O. Box 312125
Atlanta, GA 31131
Sprint Collections Department
6200 Sprint Parkway
Overland Park, KS 66251
Customer service phone number: (888) 211-4727
Should I contact or pay Sprint Collections?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Sprint Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Sprint Collections on behalf of their clients.
Will Sprint Collections sue me or garnish my wages?
Sprint has the legal right to collect unpaid debts. If an account is seriously delinquent, the company might choose to send the debt to a collection agency, or in some cases, take legal action against the debtor.
However, filing a lawsuit is typically a last resort, as it’s a costly and time-consuming process. Most companies, including telecommunications providers like Sprint/T-Mobile, usually prefer to settle the matter outside of court. They may offer a payment plan or negotiate a settlement amount.
If Sprint or its successor T-Mobile were to sue for an unpaid debt and win the case, they would receive a court judgment. This judgment could potentially allow them to garnish your wages, levy your bank account, or place a lien on your property.
Sprint 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 Sprint Collections
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Sprint 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. This is usually done by sending a debt validation letter.
- Sprint Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Sprint 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.
- Sprint Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Sprint Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Sprint collections accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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