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Frequent Contributor
Posts: 305
Registered: ‎08-24-2012
0

AFNI finally gone!!

So AFNI had 2 old collections for 99 and 263 on my CRs, all three. I sent at least 8 or 9 PFDs over the last month or so, via fax and email and snail mail. I got either no response or just told NO we will settle for half only and mark as settled. Finally I called with a number that's been passed around here. That didn't work either! They said sorry can't do that. I said "you realize you are never going to get this money right?" he said "yes we do". I said ok great thanks and hung up! I couldn't keep my frustration out of that convo haha.

 

Well anyway yesterday I checked MPM daily 3 in 1 report and noticed those two were mysteriously missing from EX only... I don't remember disputing that with EX, but after the phone call to them I did dispute to verify all accuracies (mind you I did DV before all of this and they came back with a bill) with TU and EW I believe. Well today I logged into my Equifax complete account and they are gone from there too!! I feel like doing the happy dance! Except I don't feel good haha. I'm sure TU will follow suite.

 

Just wanted to share for those having trouble with them... yet again, persistance pays off!!


Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
Valued Contributor
Posts: 1,508
Registered: ‎08-30-2012
0

Re: AFNI finally gone!!

congrats!

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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Contributor
Posts: 77
Registered: ‎07-12-2011
0

Re: AFNI finally gone!!

wow congrats!! I guess it gives us hope, to just keep bothering the hell out of these CAs lol. 

Regular Contributor
Posts: 114
Registered: ‎06-06-2012
0

Re: AFNI finally gone!!

congrats!!!!!!!!!!!!!!!!!!!!!!!

Frequent Contributor
Posts: 305
Registered: ‎08-24-2012
0

Re: AFNI finally gone!!

Thanks you guys!!! My story, even just thus far, should give anyone hope. I have been at it for a little over a month. I pulled my free 3 CRs Aug 28th and just look in my signature at how many removals I have had since I started Sept 4th. It is amazing and the wealth of knowledge here and on google!!

 

I started with about 30, THIRTY! baddies. I wrecked my score when I was 18 (not all my fault) I am now down to the 2 small judgments I am trying to settle (3 were listed, one not valid), 4 baddies that are known to not remove and will prob have to fall off, 5 medical collections that I am working on getting paid that were wrongfully NOT paid by the medical provider, and 3 or other small collections (2 for a couple hundred and 2 for around $50). 

 

I feel like this is NOTHING short of a miracle :smileyhappy:


Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
Regular Contributor
Posts: 203
Registered: ‎07-20-2012
0

Re: AFNI finally gone!!

Keep up the good work! I went from 15 to 2 in two actual months time! Patience and persistent! Got a couple removed in January, then sat on my butt for over 6 months before running across this board. Results ever since!

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Regular Contributor
Posts: 116
Registered: ‎09-02-2012
0

Re: AFNI finally gone!!

Great job!!

Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
0

Re: AFNI finally gone!!

Good Job afni is tough!


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Regular Contributor
Posts: 178
Registered: ‎02-25-2008
0

Re: AFNI finally gone!!

If they didn't accept your PFD , it could be they sold the account to another collection agency. This may reappear at some point in future.

Ex 733 AUG 14 / 807 NOV 14
TU 734 OCT !4
EQ 716 AUG 14
CITI ADVANTAGE $16,200 10/14
AMEX EVERY DAY $22,000 8/14
AMEX PRG NPSL 6/14
TOTAL RWRDS $690012/13
CITI DIAMOND AU $7900 8/13
CHASE FREE AU $2000 6/13
JCREW $3900 4/13
ANN TAYLOR $1750 4/13
CAP1 $750 3/12
Frequent Contributor
Posts: 305
Registered: ‎08-24-2012
0

Re: AFNI finally gone!!

Thanks y'all. Yeah I know believe me but if they sold I'd rather that than them keep ignoring me because Afni sucks. They only had a yea left on my report and I have heard of them just finally deleting so either way I am super happy!

Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!

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