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Rick Martin
Rick Martin, Certified Public Accountant (CPA)
Category: Finance
Satisfied Customers: 34
Experience:  CPA
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Sprint is charging me 3500 for not turning my data off when

Customer Question

Sprint is charging me 3500 for not turning my data off when I went put of the country on a phone that I did not use. How bad would this affect my credit if I just refuse to pay it. This would be the only negative debt on my credit if I don't pay it.
Submitted: 1 month ago.
Category: Finance
Expert:  Rick Martin replied 1 month ago.

Hi, I'm happy to answer your question. I'm a CPA with 25 years experience. What stage are you in with this dispute? Have you refused to pay yet?

Customer: replied 1 month ago.
I have not refused to pay yet, I have been disputing the charges and they are still saying I owe the full amount, my phone is due to be cut off tomorrow.
Expert:  Rick Martin replied 1 month ago.

There are two impacts. The first is the impact that this would have on your credit score. This depends on the algorithm used by the crediting agency. The second is the item itself which will be listed as a past due outstanding debt of $3,500 in the credit report so anyone reviewing the report (potential employer, lender, etc.) will see it.

Expert:  Rick Martin replied 1 month ago.

How was the data consumed?

Expert:  Rick Martin replied 1 month ago.

I recommend trying to get the phone company to write this off, explaining to them in writing the circumstances. If that fails, you may try to negotiate a settlement with them, threatening non-payment if a settlement is not reached. If all else fails, you need to be prepared to explain to users of your credit report why that item appears there (disputed charge, etc.) and also be prepared to see your score drop.

Expert:  Rick Martin replied 1 month ago.

Thank you for this opportunity to answer your question. I kindly ask that you give me a good rating if you are satisfied with my service, as I strive to maintain my 5 star rating. I will remain online in case you have follow on questions. -Rick

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Expert:  Rick Martin replied 1 month ago.

You may receive an offer from Just Answer for a phone call. If you feel a phone call is needed, please let me know and I would be glad to speak with you over the phone.

Expert:  Rick Martin replied 1 month ago.

Not sure why all those extra characters appeared, hopefully you are receiving my messages in legible form. -Rick

Customer: replied 1 month ago.
The data was consumed because I did not log out of my email apps. They were running tje whole time. And I do understand that it will be on my credit report , just wanted to know how much my credit score would drop??
Expert:  Rick Martin replied 1 month ago.

The exact amount by which your credit score will drop is based on each credit agency's proprietary formula. If this was your main question, I will opt out and see if another expert has a better response. I'm not aware of any way to determine exactly how this will affect your overall score. Please let me know if you wish for me to opt out and give another expert a chance. You shouldn't be charged again.

Customer: replied 1 month ago.
I would like to see if another expert has the answer. Thank you