I must be special, before I knew about these boards I paid off AFNI they also reported on my CR under their other name as well, so I was hit 4 times for 2 accts, I simply called and asked very NICELY that since I paid them off would the pretty please remove them and poof ALL 4 were gone
But the other poster is right, IF At&t still have the account do a PFD thru them and make sure you ask them to stop all CA's from reporting and have them remove it from your reports.