11 Charter Communications On Your Credit Report?

Where are 11 Charter Communications Headquarters Located?

The corporate headquarters for Charter Communications is based in Stamford, Connecticut. The debt collection part of the business operates from a St. Louis, Missouri headquarters. 

Consumer Complaints Against 11 Charter Communications

While 11 Charter Communications is a legitimate debt collection company, that doesn’t mean there aren’t problems consumers face when dealing with them. The company’s Better Business Bureau profile contains more than 15,000 complaints over the past few years. 

Of those, nearly 3,700 complaints are related to billing and collections issues. For example, in some of the complaints, consumers initially disputed charges with the company, only to find they were then sent to collections. There are also quite a few complaints involving services not received that were still sent to collections and billing that continued after the return of equipment. 

No one wants to deal with the stress of a debt collection company, but it’s something you also have to face because otherwise, it can derail your plans in life, including buying a house or car. Your credit history can even impact employment.

Why Do I See 11 Charter Communications On My Credit Report?

11 Charter Communications is a debt collection company; you could find out you owe them without realizing it. 

There are situations where a debt collector is trying to collect from you, and the reality is that you don’t owe them money. You could be surprised by how often people’s credit’s affected by mistakes, errors, or fraud. That’s why it’s important to be proactive about regularly checking your report for these issues and contacting a credit repair company like Credit Glory to remedy issues.

There are steps available to have a collections account removed from your report, which is what we specialize in.

If you see 11 Charter Communications on your report or get calls or mail from them, the company is part of Charter Communications.

Charter Communications is one of the nation’s largest telecom providers. A lot of the business of Charter Communications is done under the name Spectrum, with 11 Charter Communications being the debt collection part of the company.

In 2015, the Charter Communications company expanded, buying Time Warner Cable and Bright House Network, now operating the three under the Spectrum name.

A couple of common reasons outside of mistakes where people hear from 11 Charter Communications or see an issue on their credit report are because of late payments to the telecom provider or cable equipment that was reportedly not returned.  

Is 11 Charter Communications a First or Third-Party Debt Collector?

Unlike many debt collection companies we work to help customers with, 11 Charter Communications is a first-party debt collector because it’s part of a bigger company.  

If a business or even an individual tries to collect a debt that’s owed directly, this is a first-party debt collector. In these situations, the collector trying to contact you will usually have a direct relationship with you in some way, but not always if there’s a mistake or fraud.

You’ll also see a lot of businesses that operate as third-party debt collectors, trying to get back debts owed to another business. These third-party debt collectors usually work under a contract with the original creditor. They’re paid a percentage of what they can collect in some situations.

Some third-party debt collectors will pay a lump sum to buy debt from a creditor, which makes them similar to first-party collectors even though there isn’t that initial relationship between the debt collector and the debtor. 

What Happens When a Debt Is Wrong or Fraudulent?

One of the most significant ways our team helps you at Credit Glory is if you’re dealing with a debt that should be disputed. There are many reasons to dispute a debt, with two of the most common being that the information is incorrect or fraudulent.

Debt collectors handle large volumes of accounts, so it can and does happen that there are situations with mistaken identity. You could also be an identity theft victim, so there are debts in your name that aren’t yours. 

It could also be that you were a customer of Charter, but you paid your bills on time and returned any equipment, yet they have the wrong information in your customer file.

How Common Are Errors On Your Credit Report?

You aren't alone if you're wondering why 11 Charter Communications is trying to contact you.

Over one-third of Americans identified at least one mistake on their credit report based on an investigation from Consumer Reports. Volunteers were asked to get a copy of their credit report to check for errors, and thousands of people volunteered. Of those, 29% found errors related to personal information, and eleven percent found errors regarding listed accounts.  

According to the Consumer Financial Protection Bureau, common errors on credit reports include:

• Issues with identifying information like the wrong name, address, or phone number.
• Accounts that belong to someone else with a similar or the same name as yours.
• Listed accounts that are incorrect because of identity theft.
• The status of the account isn’t reported correctly. For example, closed accounts might be shown as open.
• There are often accounts that are wrongly reported as delinquent or late.
• Incorrect information is again added to your report after correcting it.
• Accounts may appear multiple times with different creditors, especially if the account is in collections.