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Comcast Collection Call- Should I pay CA or Comcast?


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I just got a call from Comcast. They say I owe $185. This is accurate as I had moved out of my old apartment me and my brother were living in a few months ago. Everything was in my name Electric, Internet and Lease. So to try and help my bro, I kept everything in my name and he would pay me directly. Well after months of him constantly being late with the all the above bills I was already fed up. Then this morning I get a call from a collection agency called Diversified I think, saying that the Comcast Internet had been charged off and I owe $185. The charge off date was barely July 16 2017. It has not showed up on my Credit Reports yet.

 

So my question is, should I call Comcast directly to pay the remaining balance? So that it doesn't show up on on my Credit report? Or should I pay CA? It hasn't showed up on my CR yet, and I'm trying to keep it that way.

 

Oh and I'm done trying to help out my bro, I'm going to take everything out of my name. I worked hard fixing my credit with the help of Creditboards, and I'm not gonna let it go down again. Thanks!

Edited by Prime24
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If your only option is to pay, ALWAYS pay the OC, if you can. Once you pay the OC, they have to pull it back from the CA, and they can no longer report. If you pay the CA, it will remain on your reports as a paid collection unless you can dispute it off. A paid collection is no better than a unpaid one. It's still a collection.

 

That being said, veterans around here might be able to offer other advice to you if it's already reporting. Not sure in this case, but it seems like paying the OC is the quickest and smartest way to protect your reports.

Edited by ladylunis
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If your only option is to pay, ALWAYS pay the OC, if you can. Once you pay the OC, they have to pull it back from the CA, and they can no longer report. If you pay the CA, it will remain on your reports as a paid collection unless you can dispute it off. A paid collection is no better than a unpaid one. It's still a collection.

 

That being said, veterans around here might be able to offer other advice to you if it's already reporting. Not sure in this case, but it seems like paying the OC is the quickest and smartest way to protect your reports.

 

It hasn't showed up on my reports yet.

 

I too was always under the impression to pay the OC directly. Especially since it just charged off a couple days ago.

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Update- called Comcast and paid it directly.

 

Now I'm hoping the CA doesn't report collection to the Credit Bureaus.

They can't. They don't own the account anymore, and never collected money from you.

 

If it shows up, you can dispute off with no problem.

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  • 6 months later...

I'm bumping this post because I read this post had a similar situation, called comcast (OC) and paid them directly, and now the CA has changed the status of the collection to 'paid in full'. I have never contacted the CA and did not pay them.

 

So my question; what's the best way to tackle this (and get the CA off my credit report)? A 1-2 punch?

 

Many thanks in advance!

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  • 5 months later...

Glad, I did google search and found this site. I had same issue with COMCAST as many of you mentioned out here. UPS did not deliver the return COMCAST modem, and also I did not receive the invoice at my new address either. I happened to check my credit report coz there was some fraudulent activity alerted. Of course, I found few wrong items in my Credit Report on all three Bureaus along with the fraud alert.

To Correct COMCAST issue, I took following steps and only took a week to delete from my credit report!

-Initiated Chat with COMCAST and ask them information on my old account

-Agent was able to check the account

-Asked the agent that if I pay that outstanding balance do they going to delete from my credit file from all three credit bureaus

-Agent confirmed that they will take care everything once Balance is paid

-I paid out standing balance online (Agent will provide link and needed information)

-Saved the Chat session (Very Important)

-Next day, called the collector and make sure COMCAST pulled the collection account back

-Called back to COMCAST in three days and asked them to escalate that case

-Again Called them few days later asked them for an update

-Finally, in day 7 it was deleted from credit report!

 

Hope this will help! I had to pay for someone else mistake to correct my credit report. My score went up by 23 points as soon as this item was removed from my credit report.

By the way, probably I wouldn't log back in any time soon. So, please don't ask me any question. This should be pretty clear. Only thing is one has to give good reasonable reason to COMCAST agent why bill wasn't paid.

 

Thank you very much folks who took time to give their experience!

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10 hours ago, atlantis01 said:

Glad, I did google search and found this site. I had same issue with COMCAST as many of you mentioned out here. UPS did not deliver the return COMCAST modem, and also I did not receive the invoice at my new address either. I happened to check my credit report coz there was some fraudulent activity alerted. Of course, I found few wrong items in my Credit Report on all three Bureaus along with the fraud alert.

To Correct COMCAST issue, I took following steps and only took a week to delete from my credit report!

-Initiated Chat with COMCAST and ask them information on my old account

-Agent was able to check the account

-Asked the agent that if I pay that outstanding balance do they going to delete from my credit file from all three credit bureaus

-Agent confirmed that they will take care everything once Balance is paid

-I paid out standing balance online (Agent will provide link and needed information)

-Saved the Chat session (Very Important)

-Next day, called the collector and make sure COMCAST pulled the collection account back

-Called back to COMCAST in three days and asked them to escalate that case

-Again Called them few days later asked them for an update

-Finally, in day 7 it was deleted from credit report!

 

Hope this will help! I had to pay for someone else mistake to correct my credit report. My score went up by 23 points as soon as this item was removed from my credit report.

By the way, probably I wouldn't log back in any time soon. So, please don't ask me any question. This should be pretty clear. Only thing is one has to give good reasonable reason to COMCAST agent why bill wasn't paid.

 

Thank you very much folks who took time to give their experience!

Congrats, and thanks for posting your steps to success!

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  • 6 months later...

Update: I called the OC (Comcast) and I was not successful in getting the account removed from the CRAs, even though they claimed they would call it back from the CA

 

I recently wrote to the CRAs and included it in my 1-2 punch letters, along with a few other accounts. I basically wrote that I never had any dealings with that CA and asked for proof that I had paid any money to that CA. I just looked and it's disappeared from all 3 CRAs. 

 

Good luck all!

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