12-04-2012 01:48 PM
AFNI just agreed to delete an account from all credit bureaus. Attached to the email was a confirmation letter on their letterhead, dated etc. It says it could take up to 60 days for the process. I admit, I'm impatient.
Can I send the letter directly to the CRAs? If so what method is best? This is the meat of the letter:
This letter is to inform you that we have investigated your dispute related to the referenced account. Based on the investigation this account has been closed. Afni, Inc. will take no further collection action.
In addition, if this account has been subject to credit reporting, the credit reporting agencies will be directed to remove this account from your credit report. Please note, it may take up to 60 days for the account to be removed. In the interim, you may use this letter as a notice regarding the status of the account.
We apologize for the inconvenience this situation may have caused.
If you have any questions, please contact our office toll free at 1-888-827-6002 Monday - Friday 7am-9pm CT.
This letter is from a debt collector. You have the right to inspect your credit.
12-04-2012 05:39 PM
+1 I would just wait it out and let them go away quietly.
12-04-2012 06:22 PM
I agree, let it run it's course.
12-04-2012 08:12 PM - edited 12-04-2012 08:13 PM
So not what I wanted to hear ;-)
In the time I have been in here, I have seen some solid examples of PFD or even GW success whereby the creditor said they'd delete. Knowing the history of the OC/CA, I felt very confident they would delete quickly, but unfortunately the poster would post that they disputed it instead. Where it would normally take a week or two or three (they always say 30-60 days to cover their butts), it took a month or longer because I'm positive the dispute delayed the baddie's demise. What I think happens is that the OC/CA puts it in their system to delete. They mostly update in batches. Unfortunately a dispute can come in to them before the update resulting in a delay while they investigate the validity of the baddie. That slows the deletion process by up to 30-45 days, or the dispute time frame. Had the ex-debtor only waited....But I've seen some in here that always delete within a week or two after sending the letter only to result in a delay of a month or two before it falls off [because of a dispute request].
12-04-2012 11:00 PM - edited 12-04-2012 11:00 PM
I know there is a method to the madness and a reason behind all the great advice, and I am listening to it - I am just not patient that's all haha. I want to SEE the results :-)
I appreciate all the information and advice, thank you!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
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.