05-13-2013 03:24 PM
Ok.. I need some help, my lovely fico friends! I've been working very hard at clearing up my credit report as you can see by the scores in my tagline. Just when I thought I was down to the last collection agency and dealing with them I got a new collection letter in the mail....
Got an AFNI collection letter for close to 2k "30% off debt amount". I called the OC for more info as i thought we did not owe a penny and paid in full as the tradeline the OC was reporting said 0 balance with a couple lates. I had recently sent a GW letter to get the lates off and they sent me a list of all the payments I made and when and they never mentioned there was ever a balance due! This account closed 2 years ago and DOFD is summer of 2008.
So AFNI has not reported yet. Should I DV first and wait for the itemized bill from OC to verify that the amount is truly due before proceeding or go ahead and pay off the thing while asking them for something in writing saying they will not report it at all? I do NOT need this on the credit reports as we are trying to get a mortgage in the next month or two! ughhhh
05-13-2013 03:34 PM
If there is a slight question as to whether you owe it or not, send the CA a DV letter to cease collections.
If you find out you owe it send them a modified PFD for not reporting.
If you find out you don't owe it, send them a letter with documentation from the OC.
05-13-2013 03:45 PM
If you find that it is yours, my experience with AFNI is:
05-14-2013 03:33 AM
Afni is great for removing quickly AFTER the bill is paid. I have paid several online at thier website, printed my reciept then emailed and asked them to delete and they do.
They will not agree to PFD. But pay it and send a GW via email and it will be removed. I have the email addresses if it will help you. Just let me know.
05-14-2013 08:37 AM
Thank you so much guys!
It all worked out fine. I called the OC and had them fax me the itemized bill for what was being collected.
Looks like we did owe it. So I called the OC again to ask a question and was forwarded to AFNI without my knowing.
I was speaking to the woman, very pleasant! and she answered all my questions and took payment over the phone.
She reduced the amount as we had a discrepancy in the dates.
She confirmed that they cannot and will not report (this is over an issue with a car lease, not just a utility) and that
she already notified the OC that it was paid and will be mailing me a receipt for the payment.
05-14-2013 09:01 AM
Glad to hear it all worked out for you!!
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.