Does Comcast Report To Credit Bureau
Comcast notifies customers prior to their credit report request. Generating hard inquiry, they make use of Experian and Equifax ad their credit bureaus.
There is nothing fun about being contacted by debt collectors. If you’re having trouble paying your Comcast bill, you might begin hearing from their collections team.
While annoying, Comcast collections can also mean trouble for your credit score if you don’t handle it on time, unpaid collections can end up on your credit report and impact your credit score for a very long time.
Even if you pay off your Comcast collections, the entry can remain on your credit report vivid to potential lenders.
This can impact your ability to make large purchases down the line. If you are curious about how to deal with Comcast collections and remove their entry from your credit report, check this out:
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Removing Comcast Collections from Credit Report
Dealing with Comcast collections is like dealing with a collection agency, but there are still certain steps that you should take to ensure success.
Here are some essential actions to take when dealing with Comcast collections.
Request All Communication in Writing
The best way to start the Comcast collection removal process is to request all communication with Comcast in writing. The Fair Debt Collections Practices Act (FDCPA) is a law that prevents harassment and abuse from debt collectors.
You are allotted certain rights under this act, such as determining when and how debt collectors can reach out to you. Most people are not aware of their rights, so many debt collectors take advantage of such set of customers.
The FDCPA clearly states that you have a write to request strictly written communication. Tell the Comcast collections representative that you are aware of your rights and would like to receive all further communication by US Mail.
Comcast has to abide by the law and obey. If they don’t, you can file a complaint with the Consumer Financial Protection Bureau (CFPB.)
By telling Comcast collection representatives that you are aware of your rights under the FDCPA, you are taking an upper hand in the situation. Likewise, you are setting standards for how Comcast communicates with you.
Debt collectors are known for making false promises over the phone and not following through. They are far less likely to make false promises in writing.
Hold on to all of your communication with Comcast throughout this process. If anything goes sideways, you can always show them proof of agreement and communication.