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AFNI?

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Target1212
Regular Contributor

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? 

Message 1 of 9
8 REPLIES 8
Shogun
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 9
RobertEG
Legendary Contributor

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.

Message 3 of 9
Target1212
Regular Contributor

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)
Message 4 of 9
kroberts67
Established Contributor

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 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 5 of 9
guiness56
Epic Contributor

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.

Message 6 of 9
kroberts67
Established Contributor

Re: AFNI?

Yes, I had payment arrangements.  

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 7 of 9
Shogun
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 9
kroberts67
Established Contributor

Re: AFNI?

That's great to hear!

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 9 of 9
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