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Are you receiving phone calls or letters in the mail from Comcast Collections? What does this even mean?
Well, before we begin, it is never a good thing when Comcast Collections is contacting you. This means you missed one of your Comcast Bills and it is now charged off. A charge off can drop your credit score by 100 points unless you act quickly.
Keep reading to find out how to remove Comcast Collections from your credit report and deal with this charge off.
What is Comcast Collections?
As you can imagine, Comcast Collections is the debt collecting arm of Comcast Corporation. With over 29 million customers and as the nation’s largest internet provider, the debt collecting efforts of Comcast is far and vast.
To ensure their customers pay each month for their services, Comcast Collections will aggressively contact you if you missed a payment. Whether it is by phone or mail, they will do everything in their power to get you to pay.
After all, Comcast is a billion-dollar corporation. They need to protect their business and ensure customers comply with their fees.
So, if Comcast Collections is contacting you, it is best to not push it off to the side or wait for a later date to deal with them. A charge off on your credit report is not good. It is a significant blow to your credit score.
How to Remove Comcast Collections from Your Credit Report (3 Genius Ways)
When trying to remove Comcast Collections, there are three strategies you can employ: (1) Hire a Professional, (2) Request Debt Validation, and (3) Negotiate a Pay-for-Delete.
#1. Hire a Professional
The smartest thing you can do is hire a credit repair company to remove the collection account from your credit report. They will take the matter into their own hands and will do the dirty work for you.
As a whole, the credit repair industry is loaded with experts who know how to remove negative items and clean up your credit report. If you are like me and like to remain hands-off, then this is the best strategy.
We recommend Credit Saint. They are affordable, efficient, and transparent about how they do business. Furthermore, this credit repair firm has attracted a legion of fans due to their 90-day full refund policy.
#2. Ask for Debt Validation
According to the Fair Debt Collection Practices Act (FDCPA), you can request debt validation within 30-days after initial contact. This strategy is time-sensitive, so move quickly.
To do this, write Comcast Collections a debt validation letter. In your letter, ask Comcast to validate that the debt is actually yours. Again, as one of the largest internet providers in the United States, they may have made a mistake. It doesn’t hurt to ask.
If Comcast cannot provide supporting documentation or validate the debt, then they are required to remove the collection account from your credit report. However, if Comcast can verify that the debt belongs to you, then you need to try another strategy. In a situation like this, we encourage you to hire a credit repair company.
#3. Negotiate a Settlement with Comcast
If you are outside the 30-day window, the next thing you can do is to negotiate a pay-for-delete with Comcast Corporation.
To do this, write a letter to Comcast stating that you are willing to pay off the debt, but in exchange, you want the entry deleted from your credit report. If Comcast Collections agrees, make sure both parties sign a contract. Why?
This leaves a “paper trail,” and binds Comcast to the agreement. This protects you and ensures they actually remove the collection. And a signed contract will bolster your case if you have to elevate the situation to the credit bureaus.
How Does Comcast Collection Work?
Comcast Collections operates in the same fashion as any other debt collector, except they do not buy debt from third parties. Instead, it is entirely in-house, and they only collect debt from their own customers.
So, if you miss a payment or let a Comcast bill slip through the cracks, you can expect a letter in the mail and a phone call from Comcast Collections.
Bottom Line: How to Remove Comcast Collections from Your Credit Report
That’s a wrap. These are three strategies you can employ right now to remove Comcast Collections from your credit report. Again, we recommend you hire a credit repair company, but the decision is up to you.
Whatever it is, make sure the entry is removed from your credit report. This needs to be your top priority.