Your credit score gets hurt every time you make a late payment or miss it altogether and one of the things you may have to deal with will be 11 Charter Communications.
If you notice that you have 11 Charter Communications on your credit report, it means that you may have missed a payment on a Charter spectrum account.
Though most people keep suffering from the disturbing phone calls, it is very easy to deal with the issue.
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This article will show you how to deal with 11 charter communication, and remove them from your credit card.
What is 11 Charter Communications?
11 Charter Communications is mostly known as Charter Communications Inc. This agency is a popular broadband and telecommunications service provider in the United States.
With their headquarters in Louis Missouri, United States, they are one of the largest providers of cable, phone, and internet services in the country.
They operate under the brand name “Spectrum.”
When you see them appear on your credit card as 11 Charter Communications, they do so as a debt collection agency.
So, when they appear on your credit report, they come as a collections account, and will only come when you forget to pay a bill. Having them on your credit card report card hurts your credit score unless you take it off.
Is 11 Charter Communications a scam or a real company?
11 Charter Communications is a legit company. It is the debt collection in the parent company to Charter Communications Inc.
Charter Communications as a whole has more than 98,000 employees, and they are a public traded company (NASDAQ: CHTR).
So, if you’re wondering if you can ignore them, the answer is no. 11 Charter Communications is a legit company and should be regarded seriously.
How does 11 Charter Communications work?
Charter Communications offer a wide range of communication and internet services to users across the United States.
In 2016, Charter Communications expanded its home internet services under the ‘Spectrum’ brand by merging with Time Warner Cable and Bright House Networks.
This is why they have so many customers; they also provide very good customer support.
However, some customers can fail to pay their debts or leave a past due amount when they change their network providers.
If you do any of this, the charter will report your debt to any or all of three major credit Bureaus, which are Experian, Equifax, and TransUnion.
When these negative items get on your credit report, it will lower your credit score.
Most times, this negative item will stay on your credit report for up to seven years and cause substantial damage.
Sometimes, Charter Communications hire other debt collection companies to help recover their debt from customers.
When these debt collection companies report debts to the credit Bureaus, they will follow up with the debtors until they reach an agreement, or recover the payment.
This is why you get frequent calls and messages from a debt collection agency when you’ve gotten past the date of payment, or missed a payment entirely.
Ways to remove 11 Charter Communications from my credit report
There are four ways to remove 11 Charter Communications from your credit report. They include requesting a debt validation, negotiating a settlement, writing a Goodwill letter, or hiring a credit repair company.
These are the strategies it entails
- Request a debt validation
If you do not owe Charter Communications any money, or you think there has been an error, you need to dispute the debt.
However, even if you do owe them some money so you can still dispute the negative charges entry from your credit report.
This is because some companies and debt collectors do not have the full document of a customer’s debt.
According to the Fair Debt Collection Practices Act (FDCPA), debt collectors are to show valid proof of your debt. However, to have these you must submit a validation letter within 30 days after being contacted by the company.
With this, Charter Communications must show proof that you owe. If they cannot, they must take out the negative item from your credit report.
This is according to law, and it means that there will be no more annoying phone calls coming your way. This has little or nothing to do with paying the debt. You should also know that just paying off the debt will not remove the negative item from your credit history.
- Negotiate a settlement
If 11 Charter Communications can show proof for your debts, then you should try to negotiate a settlement.
While negotiating the settlement, you may pay the balance or part of the debt that is due, for the company to remove the negative report from your credit history.
Like I mentioned before, just paying the balance will not take out the negative report from your credit report. It may stop their letters and phone calls, but the collection account will remain on your credit card for years and this is not healthy for your credit score.
Here, what will help you out is the negotiation which must be done in writing before you pay. This negotiation is what makes you leverage your payment as a tool to fix your credit.
Some people make this negotiation through phone calls but if you want to do it, ensure you do not give them your credit card number at the end of the day.
Negotiating a settlement works but that is not just all; it could save you a lot of money because you can negotiate to pay for a lesser amount than you owe.
After reaching this agreement and paying Charter Communications, the negative entry report will be taken off your credit report within 30 days.
If you happen to see this report on your credit history again, you should write to Charter to ensure that they do what they promised.
This is where you will be happy that you agreed in writing since having them sign these papers leaves a “paper trail.” This paper trail is very important for you to keep in case it escalates to the Consumer Financial Protection Bureau (CFPB), our legal system.
- Write a goodwill letter
Though the chances of 11 charter communication removing your credit report on a goodwill deletion are slim, it is still good to try.
You can write a goodwill letter to 11 Charter Communications stating why you failed to pay your debt, or why you paid late.
You need to be very honest, concise, and transparent with your letter. Were you in any kind of situation? Was it a family emergency or did you get laid off from your job? If you did then you should include this in your deletion letter.
11 Charter Communications will likely take off the negative report from your credit score history if you have been faithful with your previous payments.
However, remember that whether or not 11 Charter Communications choose to remove the negative reports from your credit history, it is totally up to them. They are just doing you a favor.
- Hire a credit repair company
Though it is possible to negotiate with 11 Charter Communications and have them remove the negative report from your credit history, it can be a stressful process.
If you are a busy person or you don’t just have the patience to talk to Charter Communications or validate the debt, and other options, you can just make the dealing easy by getting a credit repair company involved.
There are numerous credit repair companies, but you must choose the ones that are very skillful and can help boost your credit score.
These credit repair companies know the details of the Fair Debt Collection Practices Act (FDCPA), and Fair Credit Reporting Act (FCRA), and they will protect you from the harassment of the credit collection agency.
Hiring a credit repair company can be the easiest way to remove 11 Charter Communications from your credit report.
However, that is not all the credit repair company does for you. They can help you increase your credit score whether you are just dealing with a little phone bill or more severe issues like bankruptcy or foreclosure.
Of course, you will pay for their services, but know that it is always worth the cost.
Can 11 Charter Communications take me to court or garnish my wages?
Many people usually wonder if 11 Charter Communications will sue them to force repayment or garnish their wages.
You should know that it is lawful for Charter Communications to sue you in a civil court. If they win the lawsuit, they can then garnish your wages to repay the debt.
However, Charter Communications is too huge a company to sue you for a small amount of debt owed. This is because it is expensive to file a lawsuit, and unless the amount you owe is that huge to cover the expenses of a lawsuit, you will less likely be sued.
However, you should know that whether or not 11 Charter Communications sues you, is their decision. And they have the right to do so because they own your debt.
But even when they do not sue you, they will continue to disturb you with phone calls and letters until you pay.
Though 11 Charter Communications can file a lawsuit against you, you should know what the agency is not allowed to do.
- arrest you
- prosecute you in the criminal justice system
- visit you about the bill
- call you if you asked them to only use written communication
- call the phone numbers you asked them not to call
- talk to your relative or employer about your debt
If they violate any of your rights, you should contact the state attorney general’s office, or tell the Consumer Financial Protection Bureau.
How to deal with 11 Charter Communications
Many people have had an experience with Charter Communications; the company itself is also used to criticism from customers.
Up to date, they have filed more than 11,000 complaints with the Consumer Financial Protection Bureau (CFPB), and more than 1,300 with the Better Business Bureau (BBB).
Among the many complaints from customers, they say that charter fails to honor debt validation, and even goes to the extent of excessive harassment. Also, they hold an F-rating with the BBB.
To save yourself from all the damages that they can do to your credit card plus the harassment, you need to learn the Fair Debt Collection Practices Act.
This knowledge will help you protect yourself and limit the number of times that debt collectors contact or call you.
According to this law, debt collectors are not even supposed to call you at unreasonable hours or contact your relatives or employer about your debt.
You can even choose to stop them from contacting you by phone and stick strictly to mail. This is even safer because everything about your case will be documented.
11 Charter Communications collection contact number
If you want to contact 11 charter communication for billing information and questions, call them at 1-855-757-7328.
It is easy to remove 11 Charter Communications from your credit report if you follow the strategies we stated above. However, to ensure total success, you may want to contact a credit repair company. Do you also want to contact a live IRS person? Here’s how.
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