Re: AFNI denied removel again

cjane1 · ‎06-20-2016

Hi all,

Sent another email to afni and once again was denied removal.

.Afni thanks you for your payment. Accordingly, in the normal course of business, Afni will report that that we have received payment in full of your account, and will report a $0 balance. This will reflect the accurate status of this account. We understand that you are seeking removal of this tradeline from your credit report; however, to remain in good standing with the credit reporting agencies, Afni’s policy is to furnish the accurate status only. We do not exchange credit deletions for payments.

Should I keep sending the same email or change the wording in the email?

RonM21 · ‎06-20-2016

I'd even try a goodwill letter, just as a different course of action.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

cjane1 · ‎06-20-2016

I paid the collection off last year, I have sent them approx 10 emails and faxes but all responses are they are not able to delete from credit report . A PFD wasn't an option since it was still in the SOL for Texas.

Anonymous · ‎06-20-2016

While I'm never one to give up easily, don't forget that a request for goodwill is just that, and many CAs have none. Personally, I'd invest the energy you are spending on ANFI towards your next derogatory mark. Then maybe come back to it in a few and try again.

cjane1 · ‎06-20-2016

Thanks for the info. I have a secured CC from my bank, that I am going to close to get the $500.00 security deposit and pay off 2 collections. I then will only have doctor collections and will be sending out Hippa letters for those.