Why Is Sprint Collections On My Credit Report?

Written by Justin EstesUpdated: 31st Mar 2022
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Across the United States, consumers have been bombarded by Sprint’s debt collection arm, which is formally known as Sprint Collections.

Just like Verizon, AT&T, Cricket Mobile, and other cell phone providers, Sprint aggressively collects debt from its customers. Servicing millions of Americans each month, Sprint Collections is designed to ensure Sprint gets paid each month.

Unfortunately, a delinquent account (appearing as “Sprint Collections”) on your credit report is not good. It can remain on your credit report for up to 7-years, damaging your credit score along the way and hurting your chances of applying for a loan or credit card.

However, there are ways for you to successfully remove Sprint Collections from your credit report. Follow our step-by-step playbook to get this entry removed immediately and to protect your credit score.

What is Sprint Collections?

As we alluded to earlier, Sprint Collections is Sprint and T-Mobile’s debt collecting arm. This means if you miss a phone payment or any payment to one of the two cell phone providers, Sprint Collections will be knocking on your door.

Okay, that was a joke. Sprint Collections will not show up to your house; however, they will send you letters and call you to raise awareness of the situation.

How to Remove Sprint Collections From Your Credit Report (Step-by-Step)

There are four primary ways you can remove a Sprint Collections entry from your credit report: (1) Hire a Credit Repair Company, (2) Request Debt Validation, (3) Submit a Goodwill Letter, and (4) Negotiate a pay-for-delete with Sprint.

Let’s dive in.

#1. Hire a Credit Repair Company

The best way to deal with Sprint Collections is by getting help from a credit repair company.

This is the quickest and safest way to remove a negative item from your credit report. For years, credit repair companies have helped consumers clean up their credit report, build credit, and more. They know the credit industry like it is the back of their hand.

We recommend Credit Saint. This credit repair firm is powered by a team of credit experts and is affordable. They are notorious for helping consumers navigate the most complex credit situations, and I am sure they can help you.

#2. Request Debt Validation (Time Sensitive)

If you don’t want to hire a credit repair company, then the next thing you can do is request debt validation. However, this step is time sensitive.

According to the Fair Debt Collection Practices Act (FDCPA), you only have 30-days after initial contact to request debt validation. This goes for any debt collector; it isn’t just with Sprint.

To do this, write a debt validation letter and send it to Sprint via certified mail. Request as much information as possible. Ask for a date, time, and what the debt is “for.” Sprint has 30-days to respond to your debt validation request.

If they cannot provide amplifying information about the debt, then they have to remove the negative entry from your credit report. But if they do have sufficient proof that the debt is yours, then you must try another strategy.

#3. Ask for Goodwill Deletion

This strategy rarely works; however, it is still a valid thing you can do to try to remove Sprint Collections from your credit report.

Traditionally, asking for a goodwill deletion works for customers who have a good payment history. This means you always make your monthly payments but let this one slip due to some external variable.

First, pay off the debt. In your goodwill letter, state why you missed the payment and that you just recently paid it off. Attach documentation or a recent statement to further show you actually paid Sprint the money you owe.

Politely ask Sprint to delete the collection account from your credit report. Essentially, you are asking Sprint to do you a solid. This is why it is rare to have a goodwill deletion request accepted. Most debt collectors do not want to do extra work. But you may get lucky, so it is worth a shot.

#4. Negotiate a Pay-for-Delete

If all options are of no interest to you, then the last thing you can try to do is negotiate a pay-for-delete with Sprint.

It is important to note that the best thing you can do is to make sure everything is documented in writing. This strategy is a bit slower, but that is because we do not recommend you negotiate anything over the phone.

Why? This gives Sprint to much wiggle room to back off on what they verbally agreed to. Writing binds them to a contract.

In a letter, clearly articulate how you are willing to pay Sprint the money in exchange for the deletion of the negative item on your credit report. See what they say.

>> More:How to Remove a Late Payment from Your Credit Report

Can Sprint Sue Me for Missing a Payment?

While this is unlikely, Sprint has the right to sue you or pursue civil litigation. However, bringing you to court is expensive, so unless you owe thousands of dollars, this is an unlikely situation. With that said, if Sprint is threatening legal action, then seek professional legal counsel.

Is it Easy to Remove a Sprint Collections Account?

While it isn’t easy, it is doable. But it will require work on your end. Removing a collection account from your credit report takes time, persistence, and a clear strategy.

We recommend you hire a credit repair company.

They will take the matter into their own hands and will help you deal with Sprint.

Sprint Collections Contact Information:

  • Mailing Address: 6200 Sprint Parkway, Overland Park, KS 66251

Bottom Line: How to Remove Sprint Collections from Your Credit Report

Removing a Sprint Collection Account doesn’t have to be hard. The most important thing to do is to choose a strategy we outlined above and hit the ground running. Some strategies are time-sensitive, while others are not.

Remember, the best way to remove Sprint Collections is by seeking the help of a credit professional.

Justin Estes
Justin Estes

Justin Estes is a Senior Personal Finance Writer who is a recognized small business accountant, consultant, and credit card expert. His background in accounting and finance led to a passion for helping people make the most of their money and matching them with financial products that enhance their lifestyle. Justin attended Charleston Southern University where he double-majored in Finance and Accounting. Justin’s areas of expertise are credit cards, small business finance, accounting, and taxes.