Who is Comcast Collections?
Comcast is a telecommunications conglomerate headquartered in Philadelphia, Pennsylvania. Xfinity is the trade name of Comcast Cable Communications, LLC that offers cable television, internet, telephone, and wireless services.
You may still see Comcast listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your Comcast account was sent to a debt collector.
If you need help getting Comcast/Xfinity collections off your credit report, then keep reading! We’ve outlined the steps you should take to permanently remove them from your credit report.
How can I remove Comcast Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Comcast Collections Contact Information
Address:
Comcast
1701 JFK Blvd
Philadelphia, PA 19103
Customer service phone number: (800) 934-6489
Will Comcast Collections sue me or garnish my wages?
Comcast does have the right to take legal action against a customer who fails to pay their bills. However, this is generally seen as a last resort after attempts to collect the debt through internal collections or through a third-party collection agency.
If Comcast does sue and wins the case, they can obtain a judgment against you. This judgment can potentially allow them to garnish your wages, levy your bank account, or place a lien on your property depending on the laws in your specific state.
Comcast Collections Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Comcast Collections
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Comcast 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Comcast Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Comcast Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Comcast Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Debt Validation
Debt validation is a method to remove Comcast collections from your credit report. To do this, send a debt validation letter requesting proof that the debt belongs to you. Act quickly within 30 days of initial contact to preserve your legal protection. Comcast has 30 days to respond.
Review their response carefully for errors, such as incorrect amounts or dates. If errors are found, draft a letter outlining the issues and request corrections. If Comcast fails to prove the debt is yours, they must cease communications and remove the entry from your credit report.
What to Do if the Debt Is Yours
If you go through the debt validation process and discover that the debt is yours, then it will be more difficult to have the entry removed.
The most effective way to deal with Comcast Collections is to contact a professional credit repair company. They help remove millions of negative items every year from companies like Comcast Collections on behalf of their clients.
However, you can also attempt to negotiate a pay-for-delete agreement with Comcast on your own.
Negotiating a Settlement
If you want to negotiate with Comcast, then it is a good idea to give them a call. Negotiating for a settlement via snail mail is not an effective way to come to an agreement. To come to an agreement that works for both sides, you will likely need to go back and forth on the details of the “pay for delete agreement.”
Be cordial in this negotiation. The representative is more likely to help you if you treat them with respect and maintain a good attitude throughout the process. Angrily yelling at the representative is unlikely to help you achieve your goal of removing the entry from your credit report.
Get It in Writing
When you come to an agreement with Comcast, ask for the details in writing. Through a letter, they should outline the exact terms of the repayment and deletion of the entry on your credit report.
Ensure that the letter explains the agreement in detail and retain it for your records. You should not pay for your end of the bargain until you have the letter in hand. Otherwise, you will have no proof of the transaction and the entry may never be removed.
After you have paid for your side of the bargain, double-check that the entry was removed from your credit report. If it is not removed within 30 days, then you will need to contact Comcast again to ensure that they intend to hold up their end of the agreement. If they give you any trouble, then the written letter outlining the terms will come in handy.
Remove Comcast Collections From Your Credit Report Today!
Credit Saint is a credit repair company that can assist you in disputing Comcast collection accounts with the credit bureaus. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
They can also help you dispute (and possibly remove) the following items:
- late payments
- collections
- charge offs
- foreclosures
- repossessions
- bankruptcies
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
