AFNI and AT&T

[sleepless619]

I have a collection for 1,142 with AFNI from AT&T (emergency phone use while abroad, young and stupid). I just received a settlement offer for 50%. I really want this collection removed from my CR and I have read that AFNI has recently been very difficult regarding PFD. Occasionally, I get an e-mail from AT&T saying that my bill is ready, so I'm assuming that AFNI is merely collecting the debt for AT&T. I'm ready to pay the debt in full if necessary; I'm just wondering to whom and if there is anything I should do prior to any payment.

[madmann26]

I would send a DV to AFNI first.

That should always be your first step.

[xecutech]

AFNI was my easiest CA to have dropped from my credit report, and they were off fast. I settled, waited a week and then emailed a GW.

They replied the next morning.

[dbslove2]

They were my easiest, I paid the settlement and they removed.

[sleepless619]

Dbs, did you also send them a GW letter?

[GetTheFico]

I've received no response to my GW emails, so I sent a good ol' snail mail letter Monday. I have two accounts with them.

[sleepless619]

If you could update when/if they respond, that would be awesome. Also, did you pay the full or settle?

[GetTheFico]

As of today, no response. I settled on both accounts. First was paid in 2011 I believe, the other was paid a couple of weeks ago.

[dbslove2]

Sleepless because I knew the debt was mine I called them up, settled, then emailed them once my payment cleared and they deleted.

[GetTheFico]

@Sleepless

Just wanted to update that I checked my EQ report today & noticed that AFNI deleted one of the two accounts (the oldest account). Not sure why only one but I'll take it. I'll continue to GW the other account.