There is nothing fun about being contacted by debt collectors.
If you’re having trouble paying your Comcast bill, you might begin hearing from their collections team.
While annoying, Comcast collections can also mean trouble for your credit score if you don’t handle it swiftly.
Unpaid collections can end up on your credit report and impact your credit score for years.
Even if you pay off your Comcast collections, the entry can remain on your credit report for potential lenders to see.
This can impact your ability to make large purchases down the line.
If you are curious about how to deal with Comcast collections and remove their entry from your credit report, check out our how-to guide below.
How to Remove Comcast Collections from Your Credit Report
Dealing with Comcast collections is similar to dealing with a collection agency, but there are still certain steps that you should take to ensure success.
Here are some essential actions to take when dealing with Comcast collections.
1. Request All Communication in Writing
The best way to start the Comcast collection removal process is to request all communication with Comcast in writing.
The Fair Debt Collections Practices Act (FDCPA) is a law that prevents harassment and abuse from debt collectors.
ou are allotted certain rights under this act, such as determining when and how debt collectors can communicate with you.
Most people aren’t aware of their rights, so many debt collectors take advantage of unknowing customers.
The FDCPA clearly states that you have a write to request strictly written communication.
Tell the Comcast collections representative that you are aware of your rights and would like to receive all further communication by US Mail.
Comcast has to abide by the law and obey. If they don’t, you can file a complaint with the Consumer Financial Protection Bureau (CFPB.)
By telling Comcast collection representatives that you are aware of your rights under the FDCPA, you are taking an upper hand in the situation.
You are also setting standards for how Comcast communicates with you.
Debt collectors are known for making false promises over the phone and not following through. They are far less likely to make false promises in writing.
Hold on to all of your communication with Comcast throughout this process. If anything goes sideways, you can always show them proof of agreement and communication.
2. Write a Debt Validation Letter
After you let Comcast know to communicate with you in writing, your next step is to write a debt validation letter.
It is not uncommon for information about the debt to get lost throughout the collections process.
If Comcast has passed the debt on to a third-party collector, it may be possible that the debt isn’t even yours.
It is essential to verify that the debt belongs to you early in the process to prevent you from paying for someone else’s Comcast bill.
To validate the debt, you will need to write a debt validation letter. This is a letter that insists that the debt collector verify the name and date of the debt.
The date of the debt is just as important as the name of the debt. This is because many states have statutes of limitations regarding when a company can collect a debt.
If a date has passed this limitation, then the company must dismiss the debt. The statute of limitations varies by state, so be sure to verify the law in your state.
Make sure you send your debt validation letter within 30 days of the first contact with a collection agency.
If you wait beyond then, the debt collector may not be obligated to reply.
3. Negotiate a Pay-For-Delete Agreement
So, how do you negotiate with Comcast? After you verify if the debt belongs to you, you will need to negotiate a pay-for-delete agreement.
As the name implies, this agreement requires the debt collector to delete the collections entry from your credit report in exchange for payment.
The biggest mistake that people make when negotiating a payoff is believing that they need to pay the full amount.
The company has already taken a loss, so they are willing to take part of the debt back, just to get rid of it.
Offer to pay half of the debt in exchange for deletion and negotiate from there. It may be helpful to negotiate over the phone and then request the agreement in writing.
As soon as you receive a definitive agreement in writing with Comcast, make your first payment.
Check your credit report in 30 days to see if the Comcast collections entry is still there.
If it is, reach back out to Comcast and remind them of your agreement.
Let them know that you will not make any further payments until the entry is deleted.
Hire a Professional
Removing a collections entry from your credit report can be tiresome and time-consuming.
Some of us would rather enlist the assistance of a professional when it comes to our credit report.
Luckily, there are credit repair specialists that can help you.
There are several credit repair companies out there that can help you remove unwanted collection entries from your report.
This can help you get your credit score back on track.
Some credit repair companies are more reliable than others, so be sure to do your research before you commit to a company.
One credit repair company that we recommend is Lexington Law, ask them for help today.
Removing collections entries from your credit report is a pain.
However, there are proven ways to deal with debt collectors and clean up your credit report.
By handling collection entries earlier rather than later, you can minimize the impact that they have on your score.