Reply
Regular Contributor
Posts: 165
Registered: ‎04-04-2008
0

AFNI?

So, I got a letter today from a CA, AFNI, theyre not on my report and I'm freaking out, what should I do? I dont want them on my CR do I validate? Should I pay the OC then validate it? 

Moderator
Posts: 13,274
Registered: ‎04-15-2011
0

Re: AFNI?

Send them a DV.



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!
Mega Contributor
Posts: 19,818
Registered: ‎03-19-2007
0

Re: AFNI?

Two options.

 

If the debt is legit and you can afford to pay, then making an immediate pay for not reporting might give both satisfaction of the debt and avoid their reporting.

Sending a DV will preclude any such negotiations until they choose to validate, and if they validate, they can immediately report.

 

If you have questions as to the debt or its amount, then best to obtain validation prior to paying.  Your DV, if timely (i.e., sent without having received dunning notice, or sent within 30 days of receipt) will impose a temp cease collection bar, preventing their reporting until such time as they send validation.

Regular Contributor
Posts: 165
Registered: ‎04-04-2008
0

Re: AFNI?

Well I tried to pay hoping they wouldn't report, but they did. Dropped. my score 30 points. I guess ill gw the crap out of them. Plus they sent the letter to the wrong address I don't live at ( my moms)
Established Contributor
Posts: 847
Registered: ‎03-04-2013
0

Re: AFNI?

My unfortunate experience with AFNI is that even though I had an agreement to pay, the day before I made payment they reported to the credit bureaus.  They mentioned nothing on the phone when I called in the payment, and when I found out about this they would not delete.  They did not have on record my due date, which was the reason they reported.  They said it was due a week before it was.  Live and learn, get everything in writing, especially from AFNI.



FICO: EQ 722 | TU 710 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $25k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $9k.

My Credit Repair Journey
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: AFNI?


kroberts67 wrote:

My unfortunate experience with AFNI is that even though I had an agreement to pay, the day before I made payment they reported to the credit bureaus.  They mentioned nothing on the phone when I called in the payment, and when I found out about this they would not delete.  They did not have on record my due date, which was the reason they reported.  They said it was due a week before it was.  Live and learn, get everything in writing, especially from AFNI.


You have no due date with a CA.  Unless you are speaking specifically of your arrangements with them.

Established Contributor
Posts: 847
Registered: ‎03-04-2013
0

Re: AFNI?

Yes, I had payment arrangements.  



FICO: EQ 722 | TU 710 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $25k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $9k.

My Credit Repair Journey
Moderator
Posts: 13,274
Registered: ‎04-15-2011
0

Re: AFNI?

The first thing I would do is send them a GW.  See how that goes.  I actually had AFNI come off my CR with a couple of GWs to the address listed on my CR.



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 Contributor
Posts: 847
Registered: ‎03-04-2013
0

Re: AFNI?

That's great to hear!



FICO: EQ 722 | TU 710 | EX 718
SFFCU Visa $11.3k + LOC $5k, USAA Amex $6k, USAA MC $7k, Amex BCE $25k, Cap1 $4k, Freedom $5k, Slate $3.2k, Barclays SM $9k.

My Credit Repair Journey
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.