How to Remove 11 Charter Communications From Your Credit Report: The 2021 Complete Guide

How to Remove 11 Charter Communications From Your Credit Report: The 2021 Complete Guide

But with the right tools and tips, you can easily take care of them and straighten out any debt and get your credit score adjusted correctly. 

How to Remove 11 Charter Communications From Your Credit Report

Unpaid debt can genuinely be a huge burden.

You would get calls and letters consistently encouraging you to pay off your obligations.

They annoy you with a flood of scary and harassing calls just to get you to pay your dues.

They are constant in their interests to the point that they would even call you at the wee hours of the night just to trouble you in the expectations you would pay them just to stop calling.

These third-party debt collectors will leave you drained and depleted making you ask the question of what to do.

One such organization that consistently gathers debt such as this is 11 Charter Communications.

So how should you respond?

On the off chance that you might get true serenity and peace of mind from these calls, we’ll teach you what you need to do to get 11 Charter Communications Collections off your backs and taken out of credit report.

You’ll be astounded at how simple it is and how you will get the quiet life you’re looking for.

What is 11 Charter Communications?

11 Charter Communications is a third-party debt collection agency.

They gather the dues owed by borrowers from other organizations and groups that couldn’t gather.

Regularly, organizations like 11 Charter Communications Collections purchase the debt from companies at pennies to a dollar which they then proceed to collect from at a huge margin of profit.

At the point when a debt is sold, this typically brings about a charge off which impacts your FICO credit score by 100 and would show up on your record for around seven (7) years.

11 Charter Communications will use any and all means to collect from you in any capacity conceivable and isn’t above doing questionable strategies to get you to pay.

This is why it’s so important to investigate first before you even begin to pay that debt off (if at all, necessary).

What Should I Do?

This is a wonderful question.

If you find yourself being harassed constantly, we’ll teach you how to remove 11 Charter Communications from your credit report so that you no longer have to deal with them again.

There are actually a few things that you can do to get that peace of mind which include:

  • Let 11 Charter Communications You Know Your Rights
  • Ask Them to Prove the Debt
  • Offer 11 Charter Communications a Deal
  • Everything Should Be In Writing
  • Hire a Professional to Remove the Charge Off

We’ll explore each tip on how to remove 11 Charter Communications from your credit report so that you can be prepared.

Everything Should Be In Writing

Before you do anything else, we strongly advise that you communicate with the debt collector in writing as much as possible and ensure all correspondences be done via mail.

Why?

Because 11 Charter Communications are under no obligation to honor any deals or agreements with them if there is no paper trail.

Even if you spoke it over the phone, you won’t be able to use it against them in the future.

This is why most often these debt collectors prefer to speak to you over the phone rather than in the mail.

To protect yourself, ensure that you get everything on the record especially any deals discussed.

If you do end up speaking to them over the phone, ask that everything talked about to be documented and sent via mail.

Let 11 Charter Communications You Know Your Rights

All debt collection agencies are subject to the Fair Debt Collection Practices Act (FDCPA). This means that these companies have to still treat you fairly and honestly.

This is why it’s so important to let 11 Charter Communications know that you know your rights under that act so they are aware they can’t just behave in whatever way they want.

You should repeat these several times during your conversation.

In many cases, this causes agents from 11 Charter Communications to stop calling or at the very least treat you more respectfully. 

Ask Them to Prove the Debt

11 Charter Communications

Another tip on how to remove 11 Charter Communications from your credit report is by asking the company to prove that you have a debt.

Because they are buying debt from other sources, often the details they have are missing or inaccurate.

In some cases, the debt may not even be yours.

If you have any doubts that the debt isn’t yours, you should send a debt validation letter as soon as possible.

In the event that 11 Charter Communications is unable to validate the debt, the company would need to stop collection attempts right away as mandated by the law.

They will also need to remove the entry from your credit report and restore your credit history and credit score. You will need to act fast though.

They are only required by law to provide proof or investigate the debt’s accuracy within 30 days from the time they contact you.

If you ask after the 30-day deadline, they are no longer required by law to respond to your request. 

If 11 Charter Communications responds to the debt validation letter, double-check the documents they sent.

It is completely possible that even the data or proof they sent is not enough to prove that you owe money.

If you find any problems with the debt, you can bring it up to 11 Charter Communications and you can report it to the three credit bureaus: Experian, Equifax, and TransUnion.

They will then have thirty days to begin an investigation from the time of the report.

Offer 11 Charter Communications a Deal

Now if you find that the debt is really yours and 11 Charter Communications is able to prove this, it’s time to move forward and negotiate a deal with the 11 Charter Communications.

But it’s important to note that you shouldn’t simply pay off the debt and only if they agree to remove the negative report on your account.

Since the company acquired your debt at often pennies to a dollar you owe, they will probably earn money with even just paying less than half of that debt.

Negotiate with 11 Charter Communications by offering to pay around 40% and move up as needed.

Also, when you do come to an agreement make sure to get an assurance in writing that they will remove your record from your credit report.

Do not send anything until they send it in writing. Once you get that assurance in writing, send in a check to make a payment and wait for them to remove the charge off from the credit report.

Check-in after 30 days and demand that they remove the report as soon as possible.

If for whatever reason they do not remove the negative report on your credit history, then you can report them to Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

The Federal Trade Commission (FTC) may even levy fines against the debt collector for not following guidelines. 

Hire a Professional to Remove the Charge Off

how to remove credit collection services from your credit report

In the case that you don’t want to deal with 11 Charter Communications directly, you can actually go and hire a professional.

A professional from a credit repair company won’t do anything that you cannot do yourself but they do have experience.

As they regularly handle issues like this and have likely worked with 11 Charter Communications more than once, you can easily leave it to them to take care of the charge off.

Final Thoughts

11 Charter Communications, like many other debt collection agencies, can be a hassle to deal with.

But with the right tools and tips, you can easily take care of them and straighten out any debt and get your credit score adjusted correctly. 

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Author: John Benares

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