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The danger of Comcast collection appearing in your credit report is that it has a way of decreasing your credit score on any unpaid bills unless you manage to pay it or dispute it and get it removed. This can be done by either:
- Negotiate for it to be deleted when you make full payment.
- Use credit bureaus to dispute the account.
- Engage a reliable dispute company to remove it.
Note: The majority tends to go with option 3.
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Comcast debt collection phone number
You can reach Comcast debt collection at 855-577-2276 for any evaluation related to your debt collection. There is a tendency that more than more negative accounts will be on your report.
The representative will further explain to you about your debt collections and how best to possibly remove them if youโre eligible.
Comcast debt forgiveness
Some time ago, Comcast commenced a debt-forgiveness program targeted at families on a low-income budget. This helps these families to be eligible to benefit from certain internet essentials but they must have pasted their due balance.
Subscribers that have maintained outstanding bills for over 1 year can be part of the program. The way it works is that youโll be offered bill amnesty for all your debt when you meet all the criteria.
The importance of this is that the debt forgiveness will help some families enjoy the $10 monthly Comcast internet plan which has a speed of 5Mbps. In addition, these families will get to purchase PCs at a reduced price.
Before Comcast introduced this program, most consumer advocates have continuously blamed Comcast for marginalizing children from poor families because obviously, their families are unable to pay their bills.
How to pay Comcast collections
Paying for your Comcast collection shouldnโt be difficult. For those who donโt know, Comcast has a flexible repayment plan for easy payment. the importance is that it will still help keep your Comcast service active. Itโs advisable to get in touch with them at (888) 936-4968 to set up a plan.
A representative will be assigned to you to set up a payment plan youโre comfortable with. There will be a scheduled payment amount on a specified date but this will be determined depending on your balance. A confirmation email will be sent to you with the date and specific amount to be paid for any installment.
Significant billing info
The card you earlier registered on your file will be used for these payments. What it means is that the card will continuously be charged for your monthly automatic payments. For those that made a one-time payment when this plan is still active, the payment will only apply first to your past-due balance. If there is a need to update your card on your file, log in to your account and navigate to the settings section.
Stay updated
Once you continue with the scheduled repayment plan of your monthly charges, youโll have an uninterrupted service. However, there are still other ways your service might be interrupted; when you missed a payment date but youโll be given 5days to make a one-time payment.
Whereby you fail to make this payment, your plan will be canceled and your service interrupted. In addition, if you fail to maintain paying your regular monthly charges, the repayment plan will also be canceled and your service will be interrupted.
Comcast collections dispute
As a subscriber, youโre protected under Federal law against inaccurate collections. So when a company such as Comcast becomes aware of this, theyโve got an obligation to report to the credit bureau until the issue is resolved. So, whenever you think Comcast gave you an inaccurate collection on your report, you need to dispute it so it can be removed. Follow the steps below.
Reach out to the Comcast Collections Department
Itโs actually possible to dispute your Comcast collections. To do this, you need to submit a dispute. The letter to submit must contain your account number, dispute description together with other supporting documents that can serve as evidence to the collection department.
Send to the Comcast contact address on your report. Itโs advisable to use certified mail to send your letter. That way youโll be sure it gets to them. For Comcast, be sure to get a response within 30 days after the necessary investigations have been carried out. If youโre proven right, theyโll inform the credit bureaus to erase any information linked to you.
Reach out to these credit bureaus (Equifax, Transunion, and Experian)
If youโre having doubts that Comcast wonโt do justice to this, you can reach out to the above-listed credit bureaus to investigate the information and report their findings. The good thing about these credit bureaus is that there is a possibility your odds of getting results will be increased. After the entire investigation process, theyโll still report back to the Comcast collection department.
To reach out and report your Comcast Collections dispute to any of the above-listed credit bureaus, use the following links: TransUnion customer service, Experian customer service, and Equifax customer service.
In some cases, youโll receive the outcome of their investigation directly within 30 days of submitting your details.
Make a legal claim against Comcast through consumer arbitration
In a situation where neither the collection department of Comcast nor the credit bureaus are unable to rectify the issues, you still have an option of filing a consumer arbitration. The negative information by Comcast will officially be contested in a hearing.
Erasing Comcast collections out from your Report
Nobody likes to be contacted by any debt collector department but if youโre finding it difficult to clear your Comcast bills, theyโll definitely contact you.
The bad part is that their contacting you will have a bad effect on your credit report for years. Sometimes, when you finish paying back, the entry wonโt be removed, meaning other lenders will get to see it. Down the line, it affects you by making large purchases. However, you still have a fighting chance. Follow the steps below.
Guide on how to do it
There is no difference when it comes to dealing with Comcast collections and collection agencies. However, you need to be aware of some steps if you must succeed. Below are important things you should know;
Insist that every communication should be in writing
This is the first step you need to take note of when dealing with the Comcast collection. For those who donโt know, youโve got a right to decide the method of communication from debt collectors according to FDCPA law. So, you can request that all communications will strictly be written.
If they object, make them know youโre not ignorant of your right and they wonโt have any other reason than to obey the law. Also, you still have an option to file a complaint. Channel it to CFPB (Consumer Financial Protection Bureau).
In short, youโll have an upper hand in this situation when you mention laws by FDCPA or make a complaint to CFPB. It also implies youโre set a standard on how Comcast should pass information across to you going forward.
The importance of insisting on written communication is that the Collection department has a history of making empty promises during phone conversations. But they canโt deny it when it is written down. So, itโs left for you to insist so when things go sideways, youโll have a piece of evidence to show.
Pen down a Debt Validation Letter
When youโve made them know of your intention to go by written communication, the next is to pen down your debt validation letter. This is because your debt information can get misplaced all through the collection process. In a situation where Comcast transferred your debt to a third-party collector, there is every tendency that the debt might not be yours.
Hence, itโs important to verify to ensure the debt is yours at the start of the process. This will prevent you from mistakenly paying a debt belonging to someone else.
This is why you need to write down a validation letter. The letter should be that the debt collectors must confirm the name and the possible dates of all the debt. This is to ensure that the status of limitation has not passed, though it varies from one state to another. The letter needs to be sent within 30days of the first day you were contacted by the collection agency.
Suggest a Pay-For-Delete Arrangement
When youโve already verified that the debt belongs to you, now itโs time to negotiate. This arrangement requires Comcast to erase your collection entry when you make the payment. You donโt even need to complete all the payments because Comcast will be willing to take what you can offer them and get rid of it. You can offer to pay half of what you owe.
This can be done over the phone while you insist the agreement will be sent via mail.
When you receive the agreement from Comcast, make the first payment, then within 30 days check if the collection entry is still in your report. Reach out to them again and remind them about the agreement if your payment is yet to reflect. Insist you wonโt be making any more payments until they fulfill their part of the bargain.
Seek the services of a Professional
Most times, this procedure is time-consuming and tiring thats why you might need a professional to handle it for you. Look for a reliable credit professional with a track record of success.
You do not want a trial and error agent that can make things worse for your situation so you can get your score back on track. Remember, do your research, schedule an appointment, and be convinced before you commit to any company.
In Conclusion
This is a detailed guideline on how to go about dealing with Comcastโs debt collection agents. Once you owe money on unpaid bills to Comcast, youโve got an option to negotiate to pay so they can delete your collection entry off file which will help with your score.
But before you proceed with the payment, confirm if the debt actually belongs to you and if itโs correct. If or when you discover an error on your file, youโve got the option to dispute it and get it removed from your records.
Follow the guideline in this write-up to do it alone or better yet, engage enlist the help of a professional to help you.
Frequently asked questions
Is there any collections department within Comcast?
Yes, there is a collection department domiciled within Comcast. The department is referred to as a debt collection agency whose focus is to collect debt being owned by some subscribers. It will usually appear on your report as a collection account especially when you missed paying your bill within a period and your debt is transferred to them.
What is the possibility of Comcast removing collections from my credit report?
In a situation that itโs difficult for Comcast to prove that the debt belongs to you, they need to put an end to all communications as regards this and erase it from your credit report. Once they contact you, donโt hesitate to send the debt validation letter. Ideally, this should be done within 30days from the day you were contacted.
What is the best way to pay off Comcast collections?
This can be done using these three major ways:
- Negotiate the account will be deleted when you make payment.
- Use credit reporting bureaus to dispute the account.
- Engage the services of a professional credit repair company to help you remove it.
Is there a possibility of disputing a paid collection?
You might need to inform credit bureaus about the situation. Better still file a dispute with the bureaus so your records will be corrected. However, you need to provide proof of payment as a piece of evidence or A cancelled service notice serves as a receipt.
