Like any bill, if you don’t pay your Sprint cell phone bill, it will go to collections. When that happens, you not only show that you don’t make your payments on time, but it also hurts your credit score a lot.
This is all for a bill that normally doesn’t appear on your credit report. Sprint doesn’t report cellphone payments to the credit bureaus unless you default. Typically this means you haven’t paid your bill for 3 months or more, but each situation differs.
If you find Sprint Collections on your credit report, it’s important to know how to remove it. Leaving it there damages your credit score and makes it hard to get more credit in the future. Fortunately, it’s an easy collection to take care of with the right steps.
Work out an Arrangement with Sprint First
Your first step should be to work out an arrangement with Sprint.
The faster you act, the less likely it is they’ll send it to collections. In other words, don’t ignore your Sprint bill. If you can’t pay it, contact them right away. They may offer a payment arrangement that’s more affordable and avoids Sprint Collections.
Let them know your situation and why you fell behind. They may work with you if you’re honest and willing to come up with a solution.
After Sprint Collections Reports to the Credit Bureaus
If you missed your opportunity to make good on your debt before they sold it to collections, there are still steps to take, but you should act fast.
1. Ask for debt validation
As soon as you hear from Sprint Collections or you spot it on your credit report, ask for debt validation. Write a letter to Sprint or the collection company with the debt asking about the debt.
Ask them to prove you owe the debt, all details about the amount, dates, and when it defaulted. The more information you ask them to prove, the less likely it is they can validate the debt.
They have 30 days to respond to your request. If they don’t respond or they can’t validate the debt, they must remove it from your credit report.
2. Dispute the debt with the credit bureaus
If you don’t agree with the collection or feel its reporting is unfair, you can dispute it. Again, do this in writing. This time you’ll write to the credit bureau reporting the debt (TransUnion, Experian, or Equifax).
Include as much proof as possible as to why you think the debt is inaccurate or unfair so the credit bureau can fairly assess the situation and decide how to proceed.
3. Ask for a pay-for-delete arrangement
The final step is to ask for a pay-for-delete arrangement. You’ll work directly with Sprint Collections or the collection agency that bought the debt.
Remember, they bought the debt for pennies on the dollar, so there is room for negotiation. They’ll try to make you pay the full amount, but if you can’t afford it, negotiate a settlement.
In your negotiations, ask for a pay-for-delete. This means in exchange for your payment (settled amount) Sprint Collections or any other collection agency agrees to delete the debt from your credit report.
This allows you to settle the debt plus remove the collection from your credit report. Leaving a collection on your credit report damages your credit score considerably and makes it hard to get future credit.
4. Get help if you need it
If all of this sounds too overwhelming, consider hiring a credit repair agency. The professionals know just how to handle Sprint Collections and can help you remove it from your credit report.
This doesn’t mean you won’t owe the debt – you may use the same steps, but without the stress and hassle of handling it yourself.
Don’t let Sprint Collections sit on your credit report. The minute you notice them on there, spring into action.
Letting a collection sit on your credit report can drop your credit score 50 – 100 points, plus it makes future lenders hesitant to lend to you. A cellphone bill usually doesn’t show up on your credit report so it’s important to remove it as soon as possible. If you had a financial issue, that’s okay, just take care of the collection and make sure it’s removed from your credit report in the meantime.