Reply
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

I agree I don't want it hanging around, but let's see if I do owe it.  I think we bk'd our Direct TV account, in fact, DH is sure of it.  So we will see.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

But did you opt right back out?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Regular Contributor
Steelersfan904
Posts: 150
Registered: ‎05-04-2012
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

If he admitted they have an old address then get them to settle then delete if paid. They will tell you "We do not delete in exchange for payments" but tell him it is because you didnt get the letter they sent out or else you would have paid it within the 30 days of receiving it before it went on your credit report



Starting Score: 502 5/4/2012
Current Score: 640 08/03/2012
Goal Score: 700


Take the FICO Fitness Challenge

Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!


Booner72 wrote:?????

 

I THOUGHT I WAS DONE WITH THIS CRAP.

 

I OPTED BACK IN AND NOW LOOK WHAT HAPPENS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!




If a collection agency can do anything to ruin your life they will do so with pleasure -- I am convinced of that!   And, I'm not too sure it matters whether you are opted out or not because, I have been opted out for awhile now and still got hammered with both a hard inquiry by one collection agency and the reporting of a re-aged collection from another.  I sicked the BBB on both of them and, thankfully, they are gone off my CRs.  But, if a collection agency can find a way to do harm and damage, they will!  



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

Yes, I opted out again yesterday.

 

It's weird, Discernment...I've been buying a mortgage, a car, refi'd a car - doing lots of things.  But within 3 weeks of opting in, this pops up?  Seems pretty fishy to me!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!


discernment wrote:

Booner72 wrote:?????

 

I THOUGHT I WAS DONE WITH THIS CRAP.

 

I OPTED BACK IN AND NOW LOOK WHAT HAPPENS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!




If a collection agency can do anything to ruin your life they will do so with pleasure -- I am convinced of that!   And, I'm not too sure it matters whether you are opted out or not because, I have been opted out for awhile now and still got hammered with both a hard inquiry by one collection agency and the reporting of a re-aged collection from another.  I sicked the BBB on both of them and, thankfully, they are gone off my CRs.  But, if a collection agency can find a way to do harm and damage, they will!  



Aren't you kinda confusing intentional life-ruining with forcing someone to pay an otherwise uncollectible debt? A lot of people would never pay if they didn't need to.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

It hit TU today, lost 37 Credit Karma Points.

 

Did I send that DV letter in a timely manner since I never got a "dunning notice?" - I sent it the day it hit my first report.   ????????????

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

Sent the DV CMRRR and never heard a word from them aside from updating all the credit reports to "consumer disputes."  This dropped the CRAP out of my TU.  Since they never responded to the DV, I'm hoping the dispute falls into the 1-2 punch trick, and it comes off.  If it doesn't, then what?

 

I am NOT paying it.  EX has it being removed next March.  How is that that 3 CRA's have different drop off dates anyway?  DOFD was June 2006.

 

I just disputed it w/ TU and will see what they do.

 

IDIOTS

 

 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Regular Contributor
Dishpro
Posts: 118
Registered: ‎06-10-2012
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

How do you opt out?
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


Take the FICO Fitness Challenge
Contributor
Wcv
Posts: 90
Registered: ‎01-15-2012
0

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

He the same experience as another poster. The CA refused to negotiate or do a PFD, so I reached out to directv directly, PIF'd it and voila- it fell off my report.

Starting Score (EQ 1/17/12): EQ: 573, EX: 590, TU: 561
myfico.com (5/19/12): EQ: 787, TU: 797
AmEx Experian pull (5/29/12): 774
CapOne Equifax pull (5/29/12): 776

Goal Score: 750 (accomplished 3/23/11) New goal: 800 (we can all dream, right?!?)


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}