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Did paying an Afni collection's bill hurt your credit score?

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Anonymous
Not applicable

Did paying an Afni collection's bill hurt your credit score?

Hi,

 

Ok, so  I had a collection account with Afni from verizon for $149. I tried for so long and in some ways to get them to agree to a PFD. But it didn't happen. So I ended up just paying it. I will still try to get them to delete it. But I'm worried it might hurt my credit score. The account is from 2008. If you have any experience with this or any other collection agency please let me know.

 

Thanks in advance!

Message 1 of 7
6 REPLIES 6
mandar13077
Established Member

Re: Did paying an Afni collection's bill hurt your credit score?

I had a balance with AFNI that had been paid in 2010, but was still hurting my score. I ended up disputing it with the CBR and not even 2 weeks later it was removed.

 

Good Luck! :-) I have heard from some that they are not the nicest. LOL

Message 2 of 7
rckstrscott
Valued Contributor

Re: Did paying an Afni collection's bill hurt your credit score?


@Anonymous wrote:

Hi,

 

Ok, so  I had a collection account with Afni from verizon for $149. I tried for so long and in some ways to get them to agree to a PFD. But it didn't happen. So I ended up just paying it. I will still try to get them to delete it. But I'm worried it might hurt my credit score. The account is from 2008. If you have any experience with this or any other collection agency please let me know.

 

Thanks in advance!


A paid collection hurts your score just the same as an unpaid collection..

 

if it was already showing, the damage is done, it will not hurt more by paying it.

 

You need to GW them to try to have it removed.

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 3 of 7
Anonymous
Not applicable

Re: Did paying an Afni collection's bill hurt your credit score?

I sent you a pm Smiley Wink
Message 4 of 7
Shogun
Moderator Emeritus

Re: Did paying an Afni collection's bill hurt your credit score?

+1  The blemish is still there, although the debt has been satisfied.  Send a GW to them, see if you can get lucky.

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 5 of 7
Anonymous
Not applicable

Re: Did paying an Afni collection's bill hurt your credit score?

Thanks for all your replies. I will keep on trying!!

Message 6 of 7
Lasardo
Established Contributor

Re: Did paying an Afni collection's bill hurt your credit score?

I had no success with PFD with AFNI so I just paid it. About a week or 2 later I got a letter stating it would be removed ..and sure enough the month cycled and it was off. I have read here over many months the same results 

CS 728- 01/13 from 554-12/11
Goal: 800
Message 7 of 7
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