Hi All! First post here, so let me know if you need more information. I am currently trying to qualify for and FHA home loan. My lender says my middle score is 615, so I need 5 points to qualify. I have been working on my credit for the past few months, and I've had success getting a lot of negative items removed. I, however, have had no success with AFNI. Here is the story on that: I had and ATT DSL account when I lived in an apartment. I paid them on time every month, and, in fact, I overpaid them. When I moved out of the apartment I was no longer in their service area so I canceled my service. They mailed me a refund for the overpayment and so I figured that was the end of that. About a month later I received a bill from ATT for around $120. I called them and they informed me that it was a fee for breaking my contract. I explained to them that I could not get service at my new home and that is why I cancelled. They agreed with me that it was a valid reason, and that I should not have been charged. Over a year later (April of 2013) I received a notification that I had a new collection account on my credit report: AFNI for ATT. UGHHH!!! So now I have been fighting this ever since. I have tried everything to get them to remove it. I sent PFD with no response. I recently paid them (which they haven't reported on my credit report) and have sent several GW emails with no response. I am at a loss and I already have a house picked out that I don't want to lose, especially over 5 stinkin points! As far as the rest of my credit history, obviously it's not perfect. Other than this account all of my negative items are over 2 years old. I have 2 Capital One credit cards, both with less than 10% utilization. Any suggestions on what I might try to have this item removed, or just anything to get me those 5 points? Thanks in advance!
