do anyone know if cable and phone bills come off your credit report when paid or do they stay on for 7 years?

Answer 1

The only time cable and phone bills are reported to the credit bureaus is when they are sent to collections.

At that point they will show for 7-years even if you pay them.

Answer 2

As long as you use a particular cable or phone company and pay them satisfactory you want have a problem as most only report collection and charge offs to the credit bureaus. Once you are in this status with them they will only consider vacating the negative reporting if you pay them in full and have a legitimate explanation as to why you fell behind and got into the situation with them. If they don't vacate it, once it is in this negative reporting mode it will stay on your report for seven years the same as all other collections and charge offs, liens and/or judgments. The good news is that they want their money and many will remove it if you pay them in a lump sum and satisfy the account in full. It is a case to case basis and you need to be a good sales person to their customer rep.

Answer 3

I had a Phone bill (AT&T of California )go to collections one month befor the statue of limitations ran out I got sued by a collections agencie. American Agencies to be exact.They do indeed stay on your report for 7 years

Answer 4

Negatives, even from phone or cable, stay on your credit report for 7 years, even if you pay them off.

Answer 5

It is not the bill that stays on the report. It is the standing with the biller. If you pay the bill regularly and are on good standing with the company then it reflects well on your credit report. If not, it reflects badly. It usually stays on there for a while, but will change a little when you change companies.

Answer 6

okay, here's the deal. if you have collection accounts,obvious it's going to kill your credit rating,right? go to the creditors and ask them to remove it once you have paid it. if the creditors refuses, don't pay them. "what's the point?" other lenders that check your credit could still deny you because of the "paid collection items." does that make sense? it's extremely possible to remove the collection items from a credit report, once they're paid. talk to a supervisor, manager, CEO, presidence or senior of the company. keep going as high until you could possibly reach the sky. soon or later, one of people will request the removal from your report. trust me!!! i had three collections averaging $4500.00 bucks and they all have been removed with 12 months. my score was 608. now it's 711. if you don't say anything, your score will suffer for seven long years.