What Is 11 Cox Communications On My Credit Report?
11 Cox Communications is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.
Is 11 Cox Communications A Debt Collection Agency?
Yes, 11 Cox Communications is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").
11 Cox Communications may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.
But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.
Who Does 11 Cox Communications Collect For?
11 Cox Communications purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.
Does 11 Cox Communications Hurt My Credit Score?
Yes, it is highly likely having 11 Cox Communications on your credit report is damaging your score significantly.
How to deal with 11 Cox Communications if you have already paid the debt
Have you already paid off a debt owed to 11 Cox Communications but negative information still appears on your credit report? Don't worry--there are steps that can be taken:
Stay informed of your credit status - you have a right to request a free copy of your credit report from Equifax, Experian, and TransUnion every year. When reviewing the reports keep an eye out for any negative information associated with 11 Cox Communications debt. If there is inaccurate or unfair information on the report, take advantage of dispute services offered by each agency online, via phone call or mail and include supporting documentation if necessary.
Contact 11 Cox Communications to ensure that any negative credit report information associated with paid-off debt is removed promptly. Provide proof of payment, such as a receipt or bank statement, and don't forget to follow up if the issue isn't resolved after your initial contact.
Will 11 Cox Communications affect my ability to get approved for credit in the future?
If 11 Cox Communications appears on your credit report, this can significantly harm your credit score and may create obstacles for obtaining future loans. Here is what you need to be aware of:
How long the collection account will stay on your credit report - In general, collection accounts can remain on your credit report for up to seven years, starting from the initial delinquency date.
Rebuilding credit after dealing with a debt collection agency is possible. It involves making timely payments, reducing your overall credit card balance and addressing any errors on your report. Working with a professional at Credit Sage can help you create the right strategy for improving financial health in the long-term– contact us if you need guidance!
How Do I Remove 11 Cox Communications From My Credit Report?
To be eligible to remove 11 Cox Communications from your credit report, you typically need to meet the following requirements:
- Any information on the account is incorrect
- Any information on the account is error’d
- Any information on the account is fraudulent
- And is not (or cannot be) fixed in an appropriate amount of time
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.
Should I Pay For Delete With 11 Cox Communications?
Paying off 11 Cox Communications to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.
Should I Negotiate A Settlement With 11 Cox Communications?
Settling your debt with 11 Cox Communications could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).
Is 11 Cox Communications Legit, Fake Or A Scam?
11 Cox Communications is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.
Why Do 11 Cox Communications Keep Calling Me?
11 Cox Communications continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).
How To Get 11 Cox Communications To Stop Calling Me?
As we’ve mentioned above, 11 Cox Communications will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.
11 Cox Communications Reviews And Complaints
11 Cox Communications has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.
Will 11 Cox Communications Try Suing Or Garnishing My Wages?
11 Cox Communications suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.
We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.
Does 11 Cox Communications Accept A Goodwill Letter To Remove My Collection/Charge-Off?
Based on our years of experience dealing with companies like this, 11 Cox Communications does not accept goodwill letters to remove collection accounts or charge offs.
What Are My Rights When Dealing With 11 Cox Communications?
You have the right to dispute any of your debt that 11 Cox Communications has purchased. 11 Cox Communications is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.
What Is 11 Cox Communications Phone Number?
You likely want to call Credit Sage before deciding whether or not to call 11 Cox Communications. The reason? You may not want to pay 11 Cox Communications debt, especially if it's inaccurate. Paying it off could hurt your score.
Get 11 Cox Communications Removed From Your Report, Today!
In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.