11 Charter Communications On Your Credit Report?

11 Charter Communications: Who They Are 

The Spectrum and Charter Communications brand was first introduced in 2014 following a merger. Prior to the acquisitions of Time Warner Cable and Bright House Networks, this company was merely known as Charter. These operations merged and the Spectrum brand was introduced. Now, they are one of the largest telecom and broadband service providers in the country. 

While Spectrum and Charter Communications do most of their business under the Spectrum brand name, 11 Charter Communications is actually Charter Communications Inc. The “11” at the beginning of their title throws many people off, but this is the branch of Spectrum that handles their debt collections. 

How They Operate

Like many other debt collection agencies, 11 Charter Communications is known for using problematic and overly aggressive tactics in their collection efforts. They will call your phone multiple times a day and send threatening collection letters to you by mail. Not only this, but they have been reported for using aggressive and threatening language with their recipients. 

Additionally, there are some reports of them reaching out to alleged debtors via Facebook, Twitter, and other social media platforms. 

If you are receiving harassing communications from 11 Charter Communications, you have rights. There are resources and legal options available to you to end their communications and have them removed from your credit report. 

‍Should You Pay Past Due Debts to 11 Charter Communications? 

Many people think the best way to deal with collection agencies such as 11 Charter Communications is to immediately pay the alleged debt. However, this can often be more harmful to your credit than helpful. 

Why Paying May Not Help

What most people don’t realize is there is a statute of limitations on debts owed. This also applies to the duration of time they show up on your credit report. However, making a payment on a past-due debt acknowledges that the debt is yours. This applies whether you pay the debt in full or make a partial payment. 

Any payment made on the debt essentially “resets the clock,” starting the statute of limitations on your debt over. This means that payments can stay on your report for up to 7 years, decreasing the likelihood that your score improves.

So, What Should You Do?

The best way to deal with 11 Charter Communications is to first review your report for any major discrepancies. If any errors, misreports, or inconsistencies show up on your credit report, speak with a reputable credit repair company. They will guide you toward the best possible solution. Yes, in some cases, paying the debt may be the option. But in other cases, it may do more harm than good. 

A credit repair company will closely examine your credit report. They can also help you determine if the debt is valid, and give you sound advice on which option is best for you. 

Know Your Rights

Debt collection agencies are held to both state and federal laws when it comes to collection practices. The Fair Debt Collection Practices Act (FDCPA) protects you as a consumer from abusive, deceptive, and aggressive collection efforts. 

If 11 Charter Communications violates any of the following, you may have a case for legal recourse against them. 

• They may not report inaccurate, falsified, or incomplete information on your credit report. 
• They must prove the debt is valid if you send them a “debt validation letter.”
• They may not use threatening or abusive language towards you. 
• They are not allowed to call you incessantly or repeatedly to the point that it feels like harassment or stalking. 
• They must identify themselves as a debt collection agency.
• They are required to be honest with you about who they are trying to collect the debt for. 
• They are not allowed to publicly shame you or publicly disclose their list of debtors. 
• They are not allowed to call your place of employment, or discuss your debts with family members, friends, or colleagues. 
• They are not permitted to threaten you with imprisonment or arrest over past-due debts.

If 11 Charter Communications has engaged in any of the above behavior towards you during their collection efforts, you may take legal action against them. You should also consult with a credit repair company to discuss the collection practices you have personally experienced from 11 Charter Communications. They can help you determine if this collection agency violates your rights and guide you on the next step. 

‍Removing 11 Charter Communications From Your Credit Report 

A past-due collection from Charter or Spectrum can negatively impact your credit score. The best way to cease their collection efforts and remove 11 Charter Communications from your credit report is to hire a credit repair company. 

A credit repair company will look at your credit report and help you verify the debt as valid or not. They will send a debt validation letter on your behalf. However, this MUST be done within 30 days of the first communication received from 11 Charter Communications. 

If a debt validation letter is not sent within 30 days, 11 Charter Communications does not have to verify the debt as valid. Therefore, time is of the essence when it comes to debt collection agencies and their communications with you. 

Companies like 11 Charter Communications make common errors. They’re known for misreporting debt and making fraudulent accusations against their consumers. The debt may not even belong to you, and could be a result of fraud or identity theft. Due to the company’s disorganization and improper data practices, the claim could be an error.

What if the Debt is Valid?

But, what if the debt is deemed valid? And, what if you acknowledge that the debt is yours to pay?

If this is the case, a credit repair company will help you determine if paying off the debt would be helpful or more harmful. Additionally, in many cases, they can help to negotiate a smaller pay-off amount. You can work with a credit specialist to negotiate a fair settlement with 11 Charter Communications. From there, you can pave the path to financial recovery.

‍Act Now! 

If you are receiving phone calls, letters, or other communications from 11 Charter Communications, don’t wait to act. Reach out to a credit repair specialist today and get a free case review. Dealing with collection agencies can be overwhelming and intimidating, but you do not need to face them alone. Credit Glory is home to a team of specialists who understand the nuances of companies like 11 Charter Communications. Don’t wait to take action.