A credit card is one of the most important things we can own – and to have an unknown name appear on your credit report can be frightening. So if you’re in this scary situation, and 11 Charter Communications is starting to haunt your account, you’re not alone, as this agency has appeared on thousands of consumer reports.
Of course, suddenly appearing on your credit report as a collection account can be scary, and so much as it could do a great deal of damage to your score. If you leave it alone, the agency will continue to creep through your records, staying and hurting your account for up to seven years. Thus, if you want to remove this ghost from your record account, continue to read below and discover how the agency started and how to finally finance without fear.
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How Did 11 Charter Communications Start?
11 Charter Communications is a third-party debt collection agency that first started as a communications company that emerged in 1993 and has dramatically developed and progressed over the last two decades. What only started as a husband-and-wife business in the 1940s with the use of cables strung from home to home now became a high-technology cable service throughout the country.
And although the telecommunications business, Charter Communications or Spectrum, is what they’re most commonly known as they also operate as a debt collection business as 11 Charter Communications.
So to tie it all in one piece, their efforts in the debt collecting business operates under the name of 11 Charter Communications, now found in St. Louis, Missouri. If you need help in removing their name from your records, you can visit https://www.crediful.com/collection-agencies/11-charter-communications-collections/ for more info.
How To Finally Finance Without Fear
11 Charter Communications is something that shouldn’t be taken lightly – as it could permanently injure your account and leave you with a financial burden for years. Thus, when this company appears on your credit account, there are four methods you could do to remove the negative item. With this, continue to read and learn what each method entails:
Hiring A Competent Company
With a competent company at your aid, you will know how to deal professionally with the collection agency and remove the collection account from your records. Additionally, these professionals know the tiniest details about the act of Fair Credit Debt Collection Practices, which covers your rights and the agency’s limitations.
With this act, the agency must refrain from any abusive or unfair practices and methods to collect the payment and contact you. Generally, the debt collectors must not intervene and intrude in your personal life or even your work life.
Thus, if you’re looking for a credible and reputable company to hire, Crediful has got you and your credit score protected! With Crediful, you could quickly get 11 Charter Communications out of your mind as they have years of training and a handful of skills for the job.
Sending A Debt Validation
If hiring a company isn’t what you’re going for, you could do the saving-your-account tasks your way by sending a letter asking for a validation of your debt. This task, however, is time-bound as you can only send one within 30 days after the agency has contacted you.
By obtaining a letter of debt validation, the agency proves an existing record that needs to be paid off. And in the case that they can’t provide you with proof, then the negative item must be removed from your account, and the agency mustn’t make any additional methods to contact you.
Negotiating For A Settlement
In the unfortunate case that the 30-day period has ended, you could also negotiate with the debt collection agency for a settlement – the exact negotiation being the pay-for-delete case.
With this deal, you will be paying an agreed amount (whether this is the total amount or half the amount) with the collection agency. Upon your payment, the agency will then remove the collection account from your records.
And like all validation methods, you will need a contract that shows how the involved parties agreed on the said settlement and the said parties’ signatures. You need to keep this record, just if you want to push this further onto the legal system.
Submitting A Goodwill Deletion
The last strategy you could do to scare this agency away is to request a goodwill deletion. With this brief and concise letter, you will show how and why you failed to pay the debt or why you paid it late.
By appealing to the agency, you show how the debt has made you financially vulnerable. Was there a problem in your workplace? In your personal life? Or were you figuring something out? Nevertheless, the more honest you are, the better your chances are of the agency giving you approval.
Financing can indeed be scary – especially with the immediate appearance of 11 Charter Communications. However, you need not be afraid, as you can quickly solve this problem by just a few steps with a company by your side or with only your effort and time. This is debt made easy.