Cable company sent me to collections

by Justin
(Tucson, AZ)

I was sent to collections by a cable company for not returning digital boxes when my account was closed. I had been told by my ex girlfriend that she was going to return two cable boxes to the cable company when we broke up/moved out of our co-habitated residence. I was the only person on the cable account and she never returned the boxes. The cable company sent me to collections. I recently got the two digital boxes back from the ex girlfriend. If I return the boxes to the cable company, will the collections account be removed? Or, since it has been sent to collections, is it too late to do anything with the cable company and I must pay the collection agency to get the item removed from my credit report? Any help you could give me in this matter would be greatly appreciated. Thank you very much in advance.

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May 09, 2011
Cable Company Sent Me to Collections

I cannot tell you whether or not the cable company will agree to remove the collection account information from your credit reports. However, it's worth asking if it will in exchange for your paying what you owe to the company and returning the cable boxes. If the firm agrees to your request, get the terms of your agreement in writing before you pay the company any money, however.

If the cable company won't remove the collection account information, you should pay what you owe and return the cable boxes anyway. Meanwhile, the collection account information won't stay in your credit files forever. Federal law says the information can be reported for 7 years and 6 months from the date that the account first became delinquent. Furthermore, as time passes, the negative information will become less and less important, assuming you've managed your credit responsibly since the debt was sent to collections and so new, positive information is being added to your credit files. The collection account information is most damaging during the first two years that it's reported.

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