Reply
Regular Contributor
Posts: 118
Registered: ‎07-22-2012
0

Re: AFNI won't budge

Thank you for this thread.

 

Would you care to PM me the info as well please?

 

Thanks in advance!

February 2012: 480 across the board (before I found this site and started working on my scores)
-------------------------------------------------------------------------------
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)
Established Member
Posts: 43
Registered: ‎10-13-2012
0

Re: AFNI won't budge

hi I thought I could ask some honest advice please, so I been attacking my credit hard, already got 5 or 6 negative items removed. some were easy others were a little bit harder. well anyways I have a charge from at&t with anfi anderson financial for $194 date of 1st delinquency is 11/07 so almost 5 years old (guess im wondering if i should try & wake a sleeping giant or not lol). do I try to get them to now validate this debt or try for a pfd & should I try to do now or wait till next month when it is officialy a 5 year old debt. ps. I live in IL. 

Have a blessed day! =)
Established Member
Posts: 43
Registered: ‎10-13-2012
0

Re: AFNI won't budge

So i have sent afni a DV & they validated last month, then tryed going to (pfd) settlement got the we don't offer payment for deletion blah, blah, blah, but they offered to settle @ lower amount but just said it would be listed as paid but not deleted. I disputed this with cra's, got Transunion & equifax to delete by some strange luck but experian keeps on verifing account. this account is for $194 & just made sol for IL last month so they can't sue me for it. I just don't see why they won't wanna get some money out of me in exchange for deletion? my back is against the wall & I feel that I have used up all my ace's on this one. What is my next plan of attack? this account was reported to experian may of this year so its new & very damaging on credit report. Do i write them a very nice GW letter & try to make it personal stating I need this off my credit report cause I need to buy a house in 2013 for my wife & 4 kids, blah, blah, blah, lol. Any suggestions would be greatly appreciated as I don't know what else to do here? thanks ron.   :smileyhappy:

Have a blessed day! =)
Moderator
Posts: 13,582
Registered: ‎04-15-2011
0

Re: AFNI won't budge

Why not try and kill them with kindness?  Tell them how you really, really want to pay them, and how you you need the removal.  Put some sugar on it, it's the holdays so throw them some holiday cheer.  Who knows?  Could work.  I believe in Christmas miracles, don't you?



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!
Established Member
Posts: 43
Registered: ‎10-13-2012
0

Re: AFNI won't budge

yea i guess i can try that, what else do i have to lose? or I seen some other options while on this forum like saying that I didn't receive proper notifction before this was placed on my credit reports? Or try to get ahold of someone in corp office, lady named alicia, I do believe.  :smileyhappy:

Have a blessed day! =)
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.

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

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.