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Afni ?

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ceejx
Established Contributor

Re: Afni PDF issue?


@rm786 wrote:

Aany help will be greatly appreciated... I have been activity monitoring my credit reports and I received an alert with a collection showing up on all three reports, following by a collection notice from Afni for old AT&T from three years go when I was living in Texas, since then I have been living in in Virginia. 

 

I had no idea about this account but since it was $117  I settled the amount over the phone, problem is the collector I spoke to mentioned they do not do PDF?  Any thoughts, how to deal with this issue. Any action I can take to salvage my points. 

 

This thing is impacting my score by 20 plus points and I am suppose to apply for the mortgage in 6 weeks?  my current score is 657 TU and in 660s for both EQ & TR


sending you a PM

Message 41 of 62
jordanmedical
Established Contributor

Re: Afni PDF issue?

I recieved a dunning from them then sent a DV. They are not yet on my reports and DOFD is 7/2006. Anyone have this situation? If they verify, would I be able to negotiate a pay before reporting?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 42 of 62
icanimprove
Established Member

Re: Afni PDF issue?

Is this an account you recall owing? I don't see any reason not to negotiate a settlement w/ AFNI. Especially if they respond to your DV with verification.

 

AFNI is actually one of the easier CA's to deal with in my experience. Pick up the phone and call to negotiate they usually will work with people.  You can also write a letter but you risk them reporting while the letter is in the mail, etc. Also once they verify they will probably report the TL to the CRA.

Message 43 of 62
Lasardo
Established Contributor

Re: Afni PDF issue?

Had an old account with AFNI from 2006 also. Have you checked your SOL for your state? In my state it is only 3 years you can collect on old debts. I used this as a basis for my dispute, it was removed immediately.
CS 728- 01/13 from 554-12/11
Goal: 800
Message 44 of 62
jordanmedical
Established Contributor

Re: Afni PDF issue?

SOL is 5 years and according to dofd it is 6 years. I'm afraid they'll report before I recieve verification.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 45 of 62
Lasardo
Established Contributor

Re: Afni PDF issue?

Is it a valid debt?
CS 728- 01/13 from 554-12/11
Goal: 800
Message 46 of 62
jordanmedical
Established Contributor

Re: Afni ?

Possibly but I don't recall it and the amount is probably wrong considering they are saying it was AT&T and I have had AT&T for years and have never been notified of a balance. I noticed it on my cr last year but it was being handled by enhanced recovery. There response to my dispute was to delete it and not respond. I lived with roommates at that time and don't remember who paid what. Come to find out they must have sold it to afni
-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 47 of 62
Lasardo
Established Contributor

Re: Afni ?

I would make a call to advise that you do not believe it is a valid debt to not post until validation is complete and you can confirm or deny it is valid.
This will hold it back from reporting while in dispute.
Find ANYTHING.. Wrong address, name etc.. Anything to confirm it is not valid.
As reported above they are an easy company to work with..they should honor your request..
CS 728- 01/13 from 554-12/11
Goal: 800
Message 48 of 62
stephie
New Member

Re: Afni ?

May I please be PM'ed the contacts for AFNI?
Message 49 of 62
Lasardo
Established Contributor

Re: Afni ?

Jordanmedical you stated "their response to my dispute was to delete it and not respond" could you clarify?
CS 728- 01/13 from 554-12/11
Goal: 800
Message 50 of 62
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