Who is Sprint Collections?
Sprint was a renowned telecommunications company based in Overland Park, Kansas. It provided wireless services and was a major global Internet carrier. However, as of April 1, 2020, Sprint merged with T-Mobile, creating a larger combined network under the T-Mobile brand.
Despite the merger, you might still see “Sprint Collections” listed on your credit report, particularly if you had been a customer of Sprint before the merger. This typically occurs if you had unpaid bills or defaulted on your account with Sprint.
How can I remove Sprint 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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How Sprint Collections Hurt Your Credit
If you have one or more collections listed on your credit report, this can seriously ding your FICO score. Your payment history accounts for 35% of your credit score because lenders want to see that you have a history of paying bills on time.
Most creditors will eventually send you to collections if you don’t pay your bill. But in our experience, cell phone bills are one of the most common unpaid bills to be sent to collections. So if you recently had a Sprint phone bill sent to a collection agency, this article will show you what your next steps are.
Sprint Collections Contact Information
Mailing address:
Sprint Collections Department
P.O. Box 312125
Atlanta, GA 31131
Office address:
Sprint Collections Department
6200 Sprint Parkway
Overland Park, KS 66251
Customer service phone number: (888) 211-4727
Should I contact or pay Sprint Collections?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Sprint Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Sprint Collections on behalf of their clients.
Will Sprint Collections sue me or garnish my wages?
Sprint has the legal right to collect unpaid debts. If an account is seriously delinquent, the company might choose to send the debt to a collection agency, or in some cases, take legal action against the debtor.
However, filing a lawsuit is typically a last resort, as it’s a costly and time-consuming process. Most companies, including telecommunications providers like Sprint/T-Mobile, usually prefer to settle the matter outside of court. They may offer a payment plan or negotiate a settlement amount.
If Sprint or its successor T-Mobile were to sue for an unpaid debt and win the case, they would receive a court judgment. This judgment could potentially allow them to garnish your wages, levy your bank account, or place a lien on your property.
Sprint 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 Sprint 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 Sprint 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. This is usually done by sending a debt validation letter.
- Sprint Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Sprint 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.
- Sprint Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Sprint Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Sprint collections accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
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.
