Credit Card Center Advertiser Disclosure

Established Member
Posts: 19
Registered: ‎10-25-2011
0 Kudos

AFNI - driving me nuts

Earlier this year, I paid an AFNI collection in full, but the collection was still showing as unpaid on my credit reports.  I sent an email to their public email address asking them  to please update the account as paid with the CRAs  I didn't mention anything about a deletion.  The next day they responded saying they would delete the listing from all 3 credit reporting bureaus.  This was back in early July and the collection is still showing on my reports, and unpaid at that.


Just curious if anyone else has had similar issues with these dudes and what they did about it.



Valued Contributor
Posts: 1,587
Registered: ‎08-30-2012
0 Kudos

Re: AFNI - driving me nuts

Politely remind them. Mine was gone the next day.

Scores: about 700 across the board
Total CL: $275k
Established Member
Posts: 19
Registered: ‎10-25-2011
0 Kudos

Re: AFNI - driving me nuts

Thanks - that did the trick!  They finally deleted the item which resulted in a sweet 44 point increase on my EQ score.

Established Contributor
Posts: 568
Registered: ‎08-24-2012
0 Kudos

Re: AFNI - driving me nuts


"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Frequent Contributor
Posts: 332
Registered: ‎04-04-2012
0 Kudos

Re: AFNI - driving me nuts

KitriPrincess wrote:

Thanks - that did the trick!  They finally deleted the item which resulted in a sweet 44 point increase on my EQ score.

Awesome!  Congratulations!


Community Leader
Epic Contributor
Posts: 29,569
Registered: ‎03-19-2007
0 Kudos

Re: AFNI - driving me nuts

There is litle that can be done about an informal statement of intent to delete.

As for updating the balance to reflect paid, it is a disputable inaccuracy, and they were required under FCRA 623(a)(2) to have promtply updated the information.

A dispute compels a response within 30 days.

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: AFNI - driving me nuts

+1 RobertEG.....  But, a deletion is WAY better!   Congrats!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.