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AFNI Removal

Senior Contributor

Re: AFNI Removal

It can take about a month for the CB's to update.  If they dont...contact afni again.  Sometimes a dispute comes back to bite ya! 

 

SSH0126...did you get a "delete" in writing????  Either in the mail or email??  Hopefully not over the phone cuz they'll tell you anything you want to hear.



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Regular Contributor

Re: AFNI Removal

Wow... so I called AFNI on Monday and paid my collection, the guy indicated he would be sending a delete letter and gave me his name, ID number and direct number.  I pulled my 3 reports this morning and no AFNI collection on any of them!  HOLY WOW!

 

I hope the other steps I have been taking currently will be happening soon!  Also, my experian jumped from 544 to 573. Very happy!

04/01/10 - TU: 659 / EX: 648 / EQ: 601 (LO Scores)
2/25/10 - EQ 588 / EX 660 (LO) / TU 633
2/9/10 - EQ 567 / EX 585 / TU 601
1/12/09 - EQ 544 / EX 570 / TU 593
12/12/09 - EQ 536 / EX 555 / TU 582
11/13/09 - EQ 536 / EX 586 / TU 566
11/03/09 - EQ 540 / EX 544 / TU 574
07/18/06 - EQ 478
Established Contributor

Re: AFNI Removal

 ,

 

No I did not get anything about a pay for delete. I know they are on my cb report though and would like to get it removed.

Highlighted
Valued Member

Re: AFNI Removal

After going over my Experian credit report I was able to get a  couple of item removed by submitting an online dispute.  Doing the same thing for my Transunion and Equifax now. Smiley Happy
**I AM NOT A LAWYER OR EXPERT IN DEBT RECOVERY. ALL IS ADVICE IS GIVEN BASED ON MY OWN PERSONAL EXPERIENCE. WHEN IN DOUBT, SEEK PROFESSIONAL LEGAL ADVICE.**
Established Contributor

Re: AFNI Removal

So did you just say that it was a mistake or unkonwn?? And from the time you submitted the report until the removal how many days was it???
Valued Member

Re: AFNI Removal

I went through the report and most of the accounts that reporting were past the 7 year statute of limitation for reporting to the agencies so they were removed.

 

By law you are allowed a free credit report once a year so I went online and got my report. Then went through and looked for any errors whether it was misspellings, wrong or outdated addresses and any old accounts that were at least 7 years old.  It took about 30 days from the day I submitted my report to get a response. Hope that helped.

**I AM NOT A LAWYER OR EXPERT IN DEBT RECOVERY. ALL IS ADVICE IS GIVEN BASED ON MY OWN PERSONAL EXPERIENCE. WHEN IN DOUBT, SEEK PROFESSIONAL LEGAL ADVICE.**
Established Contributor

Re: AFNI Removal

SO For instance if they have an outdated address or a name or something is mispelled you just say this is a mistake or you dont know who the creditor is and please remove????

Is is 7rs years from the last date of activity???

Moderator Emeritus

Re: AFNI Removal


SSH0126 wrote:

SO For instance if they have an outdated address or a name or something is mispelled you just say this is a mistake or you dont know who the creditor is and please remove????

Is is 7rs years from the last date of activity???


 

It is 7 to 7.5 yrs from DOFD, not DOLA. And removing old OC accounts beyond 7 yrs would likely result in a score drop.

 

The name and address is your personal info...you have have that changed or removed. If you don't know who a creditor is, and you are 100% certain it is not yours, you can dispute it as "not mine". This may result in a fraud alert which may help in preventing bogus accounts from appearing...but make it harder to apply for credit.

 

 

Valued Member

Re: AFNI Removal

Thank you for clairfying that for her.
**I AM NOT A LAWYER OR EXPERT IN DEBT RECOVERY. ALL IS ADVICE IS GIVEN BASED ON MY OWN PERSONAL EXPERIENCE. WHEN IN DOUBT, SEEK PROFESSIONAL LEGAL ADVICE.**