I had a $638 collection with T-Mobile that Afni was reporting. T-Mobile was not reporting. Afni kept sending me settlement letters. The last one that I received was an offer to settle for $50. I tried to get them to agree to a PFD, but they refused--kept saying that they don't exchange payments for deletions. I decided to pay the settlement so I could be rid of it, and figured that if someone did a manual review of my CR at least they would see that it was paid even though it was settled for a lesser amount. This was early in my rebuilding, but if I had to do it over again I would have asked for them to note it simply as paid, not 0 balance, paid, settled for a lesser amount. I was able to get Asset Acceptance to do that with a collection that I had with them after I learned on here to ask for it. Within a couple of weeks, my CR was updated to the original balance minus the $50 payment, and within another couple of weeks was updated to paid with a 0 balance, but settled for a lesser amount. I made another phone call to Afni asking for a GW deletion, but they refused saying again that they don't exchange payments for deletions. I decided to just let it go for a while before I tried again. About a month later to my great surprise, the Afni entry disappeared from my credit report.
Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 2/28/13 FICO 607 EQ 4/25/13 FICO 617 EX?
Goal Scores 700 across the board
