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AFNI is Making Me Nutty

Contributor

Re: AFNI is Making Me Nutty

Thanks for everyone's input. I will keep trying. I tried disputing with the CRA with no luck. Eventually the CA will get tired of hearing form me (hopefully).

Message 11 of 18
Contributor

Re: AFNI is Making Me Nutty

Happy Dance! Just got AFNI to delete. Thanks so much everyone.

Message 12 of 18
Moderator Emeritus

Re: AFNI is Making Me Nutty

Way to go!!!!   Happy Dance!

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+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Message 13 of 18
Regular Contributor

Re: AFNI is Making Me Nutty

How? Via email? GW? PFD?

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

Message 14 of 18
Contributor

Re: AFNI is Making Me Nutty

I tried doing a PFD a few times and just kept getting the same response, "we don't accept payment for deletion." I ended up paying the OC and AFNI updated to PIF $0 balance. So, I tried to GW after that. I sent GW letters every week and faxes to every possible address and email, and fax I could get. I tried calling too, but that was unsuccessful.  Each time I would word it differently, but staying pleasant and to the point  (I figured I am asking for a favor, so I should not get too demanding).

 

Yesterday, I tried wording my GW letter a bit differently. Basically I said something along the lines of, "I am hoping to get this tradeline deleted. I realize that you do not accept payment for deletion. I never received my final bill or a dunning notice because I have not lived at the address for 2 years. As soon as I found out about this final bill, I paid the debt immediately. I am in the middle of trying to purchase a home and this negative mark is keeping me from getting my home loan. I really appreciate your help getting this matter corrected." 

 

I also cc:ed two big cheeses at AFNI with all my emails. I don't know if that helped or hurt the situation, but in 10 minutes I has a deletion letter in my hands!

Message 15 of 18
Valued Contributor

Re: AFNI is Making Me Nutty

I know Im late to the party but major happy dance. Good for yOu!


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

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Chase freedom 800 Never take NO for an answer!!
Message 16 of 18
Contributor

Re: AFNI is Making Me Nutty

Thanks! I'm still dancing Smiley Happy
Message 17 of 18
Established Member

Re: AFNI is Making Me Nutty

afni is making me nutty too.: 

Have a blessed day! =)
Message 18 of 18