Who is T-Mobile?
T-Mobile is one of the largest telecommunications companies in the world, with a robust presence in multiple countries. While its global headquarters is in Bonn, Germany, it operates a significant portion of its business out of the United States, with the US headquarters located in Bellevue, Washington.
If T-Mobile appears on your credit report as a collections account, it typically means that you have an unpaid bill or a debt that’s been sold or transferred to a collection agency. This could result from unpaid phone, internet, or other service bills.
How can I remove T-Mobile Collections from my credit report?
T-Mobile 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 Raise Your Credit Score?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional credit repair services work with people who want to get their credit back on track.
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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T-Mobile Contact Information
12920 Se 38th St.
Bellevue, WA 98006
Phone number: (800) 937-8997
Should I contact or pay T-Mobile Collection Agency?
If you still have an active account, you should contact T-Mobile customer service. However, if your T-Mobile account has been sent to collections, there is nothing good that can come from contacting a collection agency.
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 T-Mobile collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like T-Mobile Collection Agency on behalf of their clients.
Will T-Mobile sue me or garnish my wages?
It’s uncommon for telecommunications companies like T-Mobile to sue customers over unpaid bills or garnish their wages directly. In many cases, if a debt remains unpaid, telecommunications companies like T-Mobile will likely sell or assign the debt to a collection agency.
However, if a debt collection agency were to sue you over the unpaid debt and win a court judgment, they may have the legal right to garnish your wages, depending on the laws of your particular state.
T-Mobile Collection Agency 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 T-Mobile Collection Agency
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, it 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 T-Mobile Collection Agency 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.
- T-Mobile Collection Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- T-Mobile Collection Agency 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.
- T-Mobile Collection Agency cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove T-Mobile Collections From Your Credit Report Today!
Credit Saint can assist you in disputing T-Mobile 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.
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- 11 Charter Communications
- Aargon Agency, Inc.
- Ad Astra Recovery Services
- Afni Collections
- Account Resolution Services
- Capio Partners
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBE Group
- CCS Offices
- Commonwealth Financial Systems
- Convergent Outsourcing
- Credence Resource Management
- Credit Collection Services
- Dynamic Recovery Solutions
- Enhanced Recovery Company
- EOS CCA
- GC Services
- Global Credit and Collection Corp
- Harris & Harris
- Healthcare Revenue Recovery Group
- Hunter Warfield
- IC System
- IQ Data International
- Jefferson Capital Systems
- LVNV Funding LLC
- McCarthy, Burgess & Wolff
- Midland Credit Management
- MiraMed Revenue Group
- MRS Associates
- MRS BPO LLC
- National Credit Systems
- Nationwide Recovery Service
- Northland Group
- Phoenix Financial Services
- PMAB LLC
- Portfolio Recovery Associates
- Reliant Capital Solutions
- Revenue Group
- Southwest Credit Systems
- Sprint Collections
- Transworld Systems
- USCB America
- Verizon Collections
- Wakefield and Associates
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