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Get 11 At T Mobility Off Your Credit Report

Last updated 06/11/2024 by

Silas Bamigbola

Edited by

Fact checked by

Understanding who 11 At T Mobility is and what they collect for is essential for proper credit management. This comprehensive guide covers their impact on your credit score, removal strategies, legitimacy, common credit report mistakes, and more.
11 At T Mobility is a debt collection agency that purchases debt from original creditors or is hired by other companies to collect debts. Understanding their impact on your credit score, how to handle collections from them, and how to protect your credit report is crucial. This guide provides a detailed overview of everything you need to know about 11 At T Mobility.

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Who does 11 At T Mobility collect for?

11 At T Mobility buys debt from original creditors who have given up on collecting it. This debt can include credit card debt, personal loans, or other unpaid accounts. Sometimes, another company may hire 11 At T Mobility to collect debt on their behalf.

How does 11 At T Mobility impact my credit score?

Having a collections account from 11 At T Mobility can significantly lower your credit score. This derogatory mark can remain on your credit report for up to seven years, affecting your ability to obtain new credit or loans. It’s crucial to address any collections accounts on your credit report promptly to avoid long-term consequences.

Removing 11 At T Mobility from your credit report

Disputing incorrect information

If there is incorrect or fraudulent information on the collections account, disputing it with the credit bureaus can lead to its removal. A credit repair company can assist in this process.

Working with credit repair companies

Credit repair companies like Credit Glory can help you dispute the account and provide support throughout the process. However, if the collection account is accurate, it may not be possible to remove it until the statute of limitations has passed.

Is 11 At T Mobility a legitimate debt collection agency?

11 At T Mobility is a legitimate debt collection agency. They are accredited and often hired by other companies to collect debt. Despite their legitimacy, they may engage in aggressive or harassing behavior. Knowing your rights and contacting appropriate authorities if harassed is essential.

Common credit report mistakes

Credit reports are prone to errors that can decrease your credit score. Common mistakes include:
  • Typos in your name or address, signaling potential identity theft.
  • Incorrect credit limits, account balances, or outdated information.
  • Mistakenly reported late payments or charge-offs.

Pro tip

Regularly reviewing your credit report and disputing any inaccurate information is key to maintaining a healthy credit score.

Reasons for receiving calls from 11 At T Mobility

11 At T Mobility may contact you if you have an outstanding balance. They are legally permitted to contact you under the Fair Debt Collection Practices Act (FDCPA), which sets limits on the frequency and timing of their calls.

Stopping contact from 11 At T Mobility

You can stop contact by:
  • Paying off the debt or working out a payment plan.
  • Sending a written request under the FDCPA to cease communication.

Legal action and wage garnishment by 11 At T Mobility

If you fail to make payments, 11 At T Mobility may take legal action, potentially leading to wage garnishment. This can only occur with a court order and is typically a last resort.

Pro tip

If you face legal action or wage garnishment, seek legal advice to understand your rights and options.

Benefits of having a strong credit score

A strong credit score offers numerous advantages:
  • Access to better credit terms and lower interest rates.
  • Increased acceptance of credit applications.
  • Savings on loans, mortgages, and insurance rates.

Pro tip

Maintaining a high credit score provides financial stability and peace of mind, offering more security and choice within the financial marketplace.

Request all correspondence in writing

Ensure a documented record of communications with 11 At T Mobility by requesting written correspondence. Contact 11 At T Mobility at the following address:
11 At T Mobility contact information
Glenridge Highlands Two,
5565 Glenridge Connector Atlanta, GA 30342
+1 404-236-6000

How to file a complaint against 11 At T Mobility

If you believe 11 At T Mobility has violated your rights, you can file a complaint with the relevant authorities. This can help address any issues of harassment or unfair practices.
  • Contact the Consumer Financial Protection Bureau (CFPB) via their website at
  • File a complaint with the Federal Trade Commission (FTC) at
  • Reach out to your state’s attorney general’s office for additional support.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive debt collection practices. Knowing your rights can help you handle interactions with 11 At T Mobility more effectively.
  • Debt collectors cannot contact you before 8 AM or after 9 PM.
  • They cannot use abusive or threatening language.
  • You have the right to request no further contact from the debt collector.

Negotiating a settlement with 11 At T Mobility

Negotiating a settlement can be a viable option to resolve your debt. This section provides tips and strategies for negotiating with 11 At T Mobility.
  • Determine what you can afford to pay before starting negotiations.
  • Offer a lump-sum payment for less than the full amount owed.
  • Get any settlement agreement in writing before making a payment.

Seeking professional help for debt resolution

Sometimes, managing debt on your own can be overwhelming. Seeking help from a credit counselor or a debt settlement company can provide the support you need.
  • Credit counselors can offer budgeting advice and negotiate with creditors on your behalf.
  • Debt settlement companies can help you settle debts for less than you owe, but be aware of potential fees and risks.
  • Always check the credentials and reviews of any company you work with to ensure they are reputable.


Managing your interactions with 11 At T Mobility and understanding their impact on your credit score is crucial for maintaining financial health. By addressing collections promptly, disputing inaccuracies, and knowing your rights, you can protect your credit score and achieve greater financial stability.

Frequently asked questions

How long does a collection stay on your credit report?

A collection account can stay on your credit report for up to seven years from the date of the first delinquency.

Can paying off collections improve your credit score?

Paying off collections can improve your credit score, especially if you negotiate a “pay for delete” agreement, where the collection agency agrees to remove the account from your report upon payment.

What should I do if I am harassed by 11 At T Mobility?

If you are harassed by 11 At T Mobility, document all interactions and report them to the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office.

Key takeaways

  • 11 At T Mobility is a legitimate debt collection agency that impacts your credit score if they report a collections account.
  • Disputing incorrect information and working with credit repair companies can help remove collections accounts.
  • Regularly review your credit report to catch and correct errors early.
  • Understand your rights under the FDCPA to stop harassment from debt collectors.
  • Maintaining a high credit score provides numerous financial benefits.

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