Visitor
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3 Messages
Deletion of collections from credit records
Last year (August 2021), I received a collections notice from an inactive account I tried to close in 2017 whenI moved out of the Xfinity service area. Unfortunately, I must have not closed the account properly, which resulted in lack of payment on the account -- as soon as I learned the mistake, I went in-person to an Xfinity store to settle the balance and close the old account. I'm now currently an Xfinity customer again, with a rock solid payment history; I can provide proof in form of documents that I moved (and therefore could not have received any delinquent payment notifications), as well as a receipt of the settled account. I hoped that was the end of it, but now when I try to take out a loan for the purchase of a home, it's negatively impacting my credit score! Is there any way the Comcast collections team can do something to help strike the collection from my record, considering my solid payment history and attempts to rectify the situation?
Thanks!
Accepted Solution
szecke01
Visitor
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3 Messages
3 years ago
Correct -- I didn't realize that I owed any money because I moved from that address and thought that I had properly closed the account. It turns out I didn't close the account properly, so upon learning from my credit report I had a collection out for a Comcast account, I went to the nearest Xfinity location and paid the balance (and closed the account) at a payment kiosk!
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CCAmir
Gold Problem Solver
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7.2K Messages
3 years ago
Hello szecke01, thanks for reaching out to us here with this concern. We would love to help but unfortunately since the old account has been closed for more than 90 days we do not have the information on file. You would have to settle this with the collection's agency that is assigned. Do you have this information on hand?
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szecke01
Visitor
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3 Messages
3 years ago
I have the collection as it appeared on my credit report, and my initial dispute. It provides a company and an address -- but I can provide the old account number and a payment receipt. I didn't provide payment to a collections agency though, I provided payment directly back to Comcast.
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CCAmir
Gold Problem Solver
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7.2K Messages
3 years ago
Got it, so the payment made was for the total past due balance owed to collections? But you made the payment to Comcast, is that correct?
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