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watch out how Comcast ruin my credit score by 60 points without warning!
Today found my credit score dropped by 60 points due to a so called "Adverse account" added by a collector called C.P.A (I used to have near perfect score before this). The "Adverse account" was a Comcast cable bill for my old address. I have never been contacted by Comcast or C.P.A. for this debt (I have not even received a final bill from Comcast). The only thing Comcast did was adding multiple late fee charges and sent me to its collector. I do not use Comcast anymore after I moved.
All I want now is to remove the "Adverse account" in my credit report, leaving no trace of negative information (i.e. Not just "adverse account" paid). But the bureaucracy created by Comcast and C.P.A. makes it impossible. Although I want to pay whatever they claim (including all the accumulating unresonable late fees etc) just to get this mess over, I cannot. What more do they want from me?!?l
The current situation:
1. C.P.A. said that they never accept pay-for-deletion (PFD) letters, and they never delete "Adverse account" UNLESS formally requested by Comcast. Comcast never accept pfd letters either, and its billing department can only try to send informal request-to-delete to its accounting department with the hope that its accouting department will find a way to nonrountingly forward that informal request to C.P.A. Comcast billing department can try this only if my payment is made to them directly.l
2. C.P.A. said the "Adverse account" in my credit report was automatically deleted weeks ago due to bad address (C.P.A. used my old address when adding the "Adverse account" in my credit report). I called the 3 reporting agencies but they insist that never happened. Because I was very polite on the phone, C.P.A. representative seemed coorperative and was willing to send me a copy of the "Deletion request due to bad address" letter to my email address. They said that I can forward this letter to the reporting agencies to make sure the adverse account will be deleted. Did not receive the email, I had to ask them to send agin. Even gave them another email address and begged them to send all together four times, two to each email account. The representative assued me that I should receive the emails and "it could take upto 24 hours due to their slow emailing system". Its been 2 days, not a single email received from them!
Which of the following 2 solutions works better now?l
Solution 1. Pay Comcast directly and sincerely wish that they would and could send informal request-to-delete to C.P.A., and wish C.P.A. would honor that informal request.l
Cons: Comcast may just take the payment (so I lose the only leverage) and C.P.A. just update the adverse account as "paid", but the "paid-off Adverse account" will still remain in my credit report and has almost the same negative impact to my credit score for 7 years.
Pros: I may pay Comcast directly and never have to deal with C.P.A.(which seems to be purely liars per comments on the web, and my own experience). Then I can file dispute with all 3 credit reporting agencies that the "Adverse account" with C.P.A. is invalid. And hoping C.P.A. will remove the "Adverse account" since they will not be able to validate the already-paid-off debt with Comcast.
Solution 2. Send payement to C.P.A. with the PFD letter (although they don't honor it). Then GW letter.
Cons: Comcast will not even try sending any request to C.P.A. because the payment is not received by Comcast directly. And C.P.A. will only update "Adverse account" as paid. The negative effect of the "Adverse account" to my credit score remains.
Pros: If the letter happen to be processed by a not-too-evil C.P.A. representative (assume such rep exists), then its the most direct and efficient way.l
Could anybody share the experience with this debt collector or similar experience with Comcast? Any suggetsions will be highly appreciated!l
Please help!
Note: C.P.A.: "Credit Protection Association" DALLAS, TX 75240.
All I want now is to remove the "Adverse account" in my credit report, leaving no trace of negative information (i.e. Not just "adverse account" paid). But the bureaucracy created by Comcast and C.P.A. makes it impossible. Although I want to pay whatever they claim (including all the accumulating unresonable late fees etc) just to get this mess over, I cannot. What more do they want from me?!?l
The current situation:
1. C.P.A. said that they never accept pay-for-deletion (PFD) letters, and they never delete "Adverse account" UNLESS formally requested by Comcast. Comcast never accept pfd letters either, and its billing department can only try to send informal request-to-delete to its accounting department with the hope that its accouting department will find a way to nonrountingly forward that informal request to C.P.A. Comcast billing department can try this only if my payment is made to them directly.l
2. C.P.A. said the "Adverse account" in my credit report was automatically deleted weeks ago due to bad address (C.P.A. used my old address when adding the "Adverse account" in my credit report). I called the 3 reporting agencies but they insist that never happened. Because I was very polite on the phone, C.P.A. representative seemed coorperative and was willing to send me a copy of the "Deletion request due to bad address" letter to my email address. They said that I can forward this letter to the reporting agencies to make sure the adverse account will be deleted. Did not receive the email, I had to ask them to send agin. Even gave them another email address and begged them to send all together four times, two to each email account. The representative assued me that I should receive the emails and "it could take upto 24 hours due to their slow emailing system". Its been 2 days, not a single email received from them!
Which of the following 2 solutions works better now?l
Solution 1. Pay Comcast directly and sincerely wish that they would and could send informal request-to-delete to C.P.A., and wish C.P.A. would honor that informal request.l
Cons: Comcast may just take the payment (so I lose the only leverage) and C.P.A. just update the adverse account as "paid", but the "paid-off Adverse account" will still remain in my credit report and has almost the same negative impact to my credit score for 7 years.
Pros: I may pay Comcast directly and never have to deal with C.P.A.(which seems to be purely liars per comments on the web, and my own experience). Then I can file dispute with all 3 credit reporting agencies that the "Adverse account" with C.P.A. is invalid. And hoping C.P.A. will remove the "Adverse account" since they will not be able to validate the already-paid-off debt with Comcast.
Solution 2. Send payement to C.P.A. with the PFD letter (although they don't honor it). Then GW letter.
Cons: Comcast will not even try sending any request to C.P.A. because the payment is not received by Comcast directly. And C.P.A. will only update "Adverse account" as paid. The negative effect of the "Adverse account" to my credit score remains.
Pros: If the letter happen to be processed by a not-too-evil C.P.A. representative (assume such rep exists), then its the most direct and efficient way.l
Could anybody share the experience with this debt collector or similar experience with Comcast? Any suggetsions will be highly appreciated!l
Please help!
Note: C.P.A.: "Credit Protection Association" DALLAS, TX 75240.
Last edited by jamesgloverg; 02-16-2012 at 11:47 AM..









