What to expect after derogatory account removal?
Extremely annoying and unfortunate situation here. I am 36 with a spotless credit history. Had a credit score of 817 until some clueless moron I talked to on the phone while canceling my Spectrum internet ensured me I wouldn’t have to pay the new higher price (that I was specially canceling to avoid paying) if I canceled before a certain date (which I did).
Never got a bill in the mail. Never got a single phone call or any communication whatsoever from Spectrum about a late payment. Had no clue I apparently owed them money that I was specifically told I wouldn’t have to pay until I checked my credit score and saw it dropped to 682 with a derogatory account added to my report with Spectrum sending the bill to collections.
Immediately called Spectrum about it and remained polite. They told me I owed them $105 and I told them I would pay it right then and there. They assured me the derogatory account would be removed.
So what can I expect once it’s removed? Something tells me my score isn’t just going to shoot back up to over 800 like nothing happened. Almost two decades of working hard to keep my credit spotless only for it to be crushed by some lying scummy internet provider that told me I didn’t have to pay, and then didn’t communicate with me at all once it was overdue.