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I received an AFNI collection notice months ago for an old AT&T account I used to have. I requested that they validate the debt, and after several months of waiting, they finally sent me validation that I deem acceptable. The charge is a termination fee that I thought I had paid and never received the final bill from AT&T (or any reminders). I don't mind paying it, but it stinks that its on my credit.
Also, AFNI noted the account as "in dispute" on my credit reports which I understand can cause trouble when you apply for a mortgage, although I don't expect to do so until next year at the earliest.
Does anyone have any thoughts on the best course of action? Any ideas will be appreciated very much.
Is this paid? If not, PFD. If paid, GW.
AFNI works with people on this kind of thing, I know that personally and have read many posts concluding the same.
My experience with them was by sending a PFD letter- fully intending to pay. However they sent a letter back (for 3 different accounts) and said, "we were unable to verify these accounts, and are deleting them. Please allow up to X days for them to be removed from your Credit Reports"
My advice- send them a DV letter =)
I agree with bruiseviolet - first DV, then if you agree PFD/GW.
But didn't you say you already DV'd?
This is my experience with Afni. I had an old T-Mobile account with a balance of $638 with Afni. Afni had offered a settlement of $50. I tried to get them to agree to a PFD, but with every request, I would get the same response back--that they don't exchange payments for deletions. I decided to go ahead and pay the $50 anyway, and then was going to try and GW them to delete it. Within a couple of weeks of paying the $50 settlement, Afni deleted the account from my credit report. T-Mobile never did report it.
Yes...it took them 5 - 6 months to validate, but they managed to dig up the final AT&T billing statement that I never received in the mail.
Thanks everyone for your inputs, I appreciate your time