topic Re: Afni Delete in Rebuilding Your Credit

Afni Delete

Loveme23 — Tue, 05 Jun 2012 18:59:44 GMT

I have this account with TMobile for 380.00 I have been talking to them on the phone trying to make a settlement with them and they agreed to 50% but would not delete so I didn't pay for it but I received a letter in the mail on 05/21/2012 that stated that they were going to delete it from My credit so I sent the letter to all 3 credit companies to have it removed ASAP because I am trying to get a pre-approval on a home but today I got an email from Experian that the investagation was completed and that it was updated which means -a change was made to this item review this report to see the change. If ownership of this item was dispute, then it was verified as belonging to you..... What does this mean??? Did I miss up by sending that should I have just waited to see if it was deleted. What should I do now???? Please Help me someone I really need this tooken care of.

Re: Afni Delete

annielorie — Tue, 05 Jun 2012 19:07:17 GMT

I recommend joining eliminateidentitytheft.com 12.95 a month all three reports everyday can cancel whenever. Check report before you freak out.

Re: Afni Delete

Tuscani — Tue, 05 Jun 2012 19:08:55 GMT

If they (CA) agreed to delete it will take up to 30 days. EX is not going to delete themselves just because you sent a letter stating as such.

Re: Afni Delete

Loveme23 — Tue, 05 Jun 2012 20:15:57 GMT

The thing is that they never agreed to it by talking to me but they did send that letter to me saying that they were deleting. So I should just wait the 30 days from the date on the letter to pull credit again?

Re: Afni Delete

Tuscani — Wed, 06 Jun 2012 15:27:08 GMT

Yep, that's what I would do

Re: Afni Delete

JohnPTEX — Wed, 06 Jun 2012 15:31:58 GMT

Tuscani wrote:
If they (CA) agreed to delete it will take up to 30 days. EX is not going to delete themselves just because you sent a letter stating as such.

+1 - the CA's will only delete if not verified - anyone over at AFNI could have verified - often the various departments are ignorant to what the others are doing so even though it is scheduled to be deleted, up to and until it is, there is likely some other drone validating it

Re: Afni Delete

Loveme23 — Wed, 06 Jun 2012 20:46:43 GMT

I checked my credit again today and the CA re reported to my credit as of 06/05/2012.... What is the deal I am confussed on what to do...... Please someone help me :smileysad:

Re: Afni Delete

annielorie — Wed, 06 Jun 2012 20:58:04 GMT

Call the CA and try to speak to the person you dealt with if not get a supervisor and clear it up. Chances are the right hand isnt talking to the left hand. Dont panic. Call and try to rectify.

Re: Afni Delete

Loveme23 — Wed, 06 Jun 2012 21:00:40 GMT

The only thing that has me worried is because when I talked to them they didn't want to delete, but then I received this letter from them and when I sent it to the credit companies I guess they put in another dispute and that was the result of that is for then to place it back on the credit report and new now.

Re: Afni Delete

Steelersfan904 — Thu, 07 Jun 2012 00:49:41 GMT

Loveme23 wrote:
The only thing that has me worried is because when I talked to them they didn't want to delete, but then I received this letter from them and when I sent it to the credit companies I guess they put in another dispute and that was the result of that is for then to place it back on the credit report and new now.

That is exactly what is happening to me, I paid a debt from Sprint that should have been deleted once I paid it because I never received their letter. I paid 450 of the 612 that was owed. But the account was in dispute from earlier in May so they updated the account to say I still owe 162! I called and spoke to somebody and basically said yes they will delete just give it about two weeks.

Re: Afni Delete

proudnavymom — Thu, 07 Jun 2012 01:15:16 GMT

I had a $638 collection with T-Mobile that Afni was reporting. T-Mobile was not reporting. Afni kept sending me settlement letters. The last one that I received was an offer to settle for $50. I tried to get them to agree to a PFD, but they refused--kept saying that they don't exchange payments for deletions. I decided to pay the settlement so I could be rid of it, and figured that if someone did a manual review of my CR at least they would see that it was paid even though it was settled for a lesser amount. This was early in my rebuilding, but if I had to do it over again I would have asked for them to note it simply as paid, not 0 balance, paid, settled for a lesser amount. I was able to get Asset Acceptance to do that with a collection that I had with them after I learned on here to ask for it. Within a couple of weeks, my CR was updated to the original balance minus the $50 payment, and within another couple of weeks was updated to paid with a 0 balance, but settled for a lesser amount. I made another phone call to Afni asking for a GW deletion, but they refused saying again that they don't exchange payments for deletions. I decided to just let it go for a while before I tried again. About a month later to my great surprise, the Afni entry disappeared from my credit report.

Re: Afni Delete

rubberman365 — Thu, 13 Dec 2012 09:50:19 GMT

Hopefully ill get my delete soon>